Listing Profile Bid History Loan History

Listing Title


Loan Information
Loan Status: Current Origination Date: 2008-07-29 Payments Made: 4 of 36 Total Payments: $1051.36 / $7500.00

Listing Summary

  

Borrower Info
Requested Amount: $7500.00
Lender Rate: 15.00%
Automatic Funding: No
Percent Funded: 100%
Monthly Payment: $259.99
 
Borrower: zpp1225
Location: VA
Group: (NoGroup)
Group Fee: 0.00%

Credit Profile
Credit Grade: AA Homeowner: Yes Account Verified: Yes Debt To Income: 0%

Extended Credit Data
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Listing Description
Borrower and Lender

Purpose of Loan: Lower mo. expenses now. Pay off car in full and credit card in full. Funds for
transferring business license and insurance and continued education courses to complete.

Occupation: Realtor / Restaurant part time
Length of employment: 4 years

Prior Occupation: Domino's Pizza Franchisee Owner of 2 stores. With Domino's for 10 years.
Delinquent: Only 1 delinquent from 2001 showing on credit report as of July 1, 2008.(not 4)(From Domino's, business)
Public Record: 2002, Domino's Pizza forced me to file per their franchise agreement and their clause of a personal guarantee enclosed in agreement. Sales volume was too low to continue.

Credit Score: 715

Current Prosper Loan: Current 14 mos
Other Debts: 0 lates since 2001. History never late on home loan or personal loans.

Current debts:
1) Account: Car                       Amount  $1400    Current interest rate: 14%
2) Account: 1stMortgage          Amount  $159K    Current interest rate: 7.125%
3) Account: 2nd Mortgage        Amount  $29,500  Current interest rate: 14%
4) Account: Revolving               Amount  $2000    Current interest rate: 19%      
 

Budget : Income $3,300 mo 

Expenses Monthly:
Mortgage: $1405        (Rental property out of area $1200 mo income)
Rent: $975             (loss of $305 mo,incls $100 to property mgr)           
Gas : $200
Car Notes: $458                 
Car Insurance: $77
Health Ins: $221
Credit card1: $110
Food : $225
Phone: $60
Household/misc: $150
Prosper:  $343
Total Expenses: $3124      (-$1100 rental property included)
Left Over: $176

Budget after Prosper Loan
Prosper Payments total approx:$593.00
Mortgage: $1405                        (Rental property out of area $1200 mo income)      
Rent: $975                             (loss of $305 mo,incls $100 to property mgr)
Gas : $200                 
Car Note: $0
Car Insurance: $77
Health Ins: $221
Credit card1: $0
Food : $225
Phone: $60
Household/misc: $150
Total Expenses: $2806     (-$1100 rental property included)
Left Over: $494