My 60's house needs upgrading

Purpose of loan: I got a great deal on this house (2000 sq ft) from a friend who was about to lose it. He tried keeping it for sentimental reasons, (he grew up in it), but couldn't rent it out & couldn't keep up payments on two houses, so?he sold it to me?because he knew I'd take care of it. Problem is - it hasn't been updated since it was built in the 1960's!?I'm retired, but have a small business?on the side, Can't live on Social Security alone, can we?? I've been doing bits & pieces of updating, but need some major stuff now, which cost more than what I have available. Banks aren't lending now? and I need to get some things done before it gets?REALLY cold because it needs serious weatherizing. ??
This loan will be used to? Windows - currently old wood frames, warped and damaged. Solution: Replace with insulated vinyl windows.
Floors - Tile all cracked & missing, carpet at least 30 yrs old, needs some sub-flooring and all uninsulated from basement cold air. Solution: Replace carpet and padding with new in?all 4 bedrooms, install laminate/hardwood in living room and hallway, Install tile in kitchen and bath.
Ceilings: This house has California open-beam ceilings (in Missouri!!!) All the heat goes out the roof. Solution: Dropping ceilings throughout and insulating space between ceiling & roof. Bathrooms need updating, Kitchen needs updating, (has old metal cabinets). Needs painting/texturing throughout.??These are a few of my favorite things - for now.
Update:?I have just replaced all my windows w/insulated vinyl windows. Also started dropping and insulating the LR ceiling. Total cost was less than $1000. ??
My financial situation: ***NOTICE***I AM A HOMEOWNER! MY CREDIT REPORT DOESN'T SHOW IT BECAUSE I HAVE NO PAYMENTS (REVERSE MORTGAGE). I SENT PROSPER A COPY OF MY PROPERTY TAX BILL, BUT THEY?HAVEN'T UPDATED MY ACCOUNT AND STILL SHOW ME AS A NON-HOMEOWNER.?
A year and a half ago, I had a credit score?below 500.?(My late wife had over 30 credit cards when she died). I have built it?up to over 700 points?as of today when I checked on it through Experian. Unfortunately, just in time for this ridiculous economic "slump".
I am a good candidate for this loan because?I take money matters seriously. I pay my bills on time and don't like to borrow money. However, there are times when you have to ask for help. I do all the work on my house myself, since I am a great handyman. I know where to get the best deals on things I need. I got kitchen cabinets, a glass top stove, and interior doors among other things off Craigslist - for nothing.? (I am still looking for a jacuzzu tub). I don't need "new" just good. The things I?plan on doing would cost 4 or 5 times what I can do it for. (I also have friends who work cheap). So, you?will be letting me get the best bang for your buck - and your financial help will be?very much appreciated.

Q: Please tell us about your current delinquency and two public records. Thanks - SeeksValue

A: Sorry in taking so long to reply - had to get my report to check it out. The public records are 1) Bankruptcy in 2001, and 2) A judgement on a collection account in 2008. Settled the debt on the collection over 3 mos ago. They apparently haven't reported it as paid. I will get on them ASAP. (Can send letter of settlement if desired). The delinquency is an old (2004) debt from a utility company left over from when my wife died.. Thank you for your interest. (Dec-29-2009)

Paying my Credit Card

Purpose of loan:
This loan will be used to? pay some of my utilities bill and credit card payment

My financial situation:
I am a good candidate for this loan because? I have a direct deposit that my employer deposit weekly that falls on Thursday and I would really appreciated if you can grant me my request, thank you.

Monthly net income: $ 4544
Monthly expenses: $ 3500
??Housing: $ 1500
??Insurance: $ 150
??Car expenses: $ 560
??Utilities: $ 100
??Phone, cable, internet: $ 139
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 200

Q: Not to be rude, but with a prosper score of 10, and a good DTI- Why did you list so high? Is there more to this? - Delta-Kilo-7K

A: :-)) Not rude at all, I am guessing you are just curious, right? Like I have mentioned before...really not sure what to do, when I posted it I need the money ASAP I guess..not sure if I need this anymore :-)) (Dec-30-2009)

paying off crdit cards

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?

Q: please indicate source of income and detail of your monthly expenses...thanks! - skillful-asset5

A: retirement check..utilities.weekly expenses food gas etc. (Dec-30-2009)

Q: I didnt get much information from your answer. Could you give your monthly income and detail of your monthly expenses in monetary terms. thanks. - skillful-asset5

A: retirement 1500 a monthly.expenses weekly 60 mounthly 720 after i pay off crdit cards 625 (Dec-31-2009)

Q: Which credit card and how much balance are you paying off? What is the APR for that credit card? I'm asking this is because your credit file showing 0 on credit debt, also your rate on Prosper (currently at 34%) is just crazy. - robinw777

A: wifes cards qvc sears aspire koles cap1 wallmart .paying total on all cards allcards apr comes to 108%. (Jan-01-2010)

Home improvements - part 2

Hi, I'm requesting a second loan from the Prosper Community for another home improvement project. About three years ago, I received a loan to finish a kitchen project and have all but paid the amount off.?

A few years back (4+ now...), my husband and I had to declare bankruptcy due to a business partnership that fell through. This continues to haunt our credit history,?but following that we began to evaluate our priorities and made some major life changes. We sold our nice, large house back then and built a small house on some family land.

We have no mortgage?and have paid for all the work out of pocket up to this point. We finished the remainder of the work with the first Prosper loan and are plaaning to add-on with the second loan.?

Repayment is not a problem. Since we have no mortgage, monthly payments come pretty easy.

Thanks for looking at the listing!

Q: Please list the balances of each of your debts. Please estimate the value of your home (if it is separable from the family land). thanks - reflective-rupee

A: Thanks for the questions. Answers follow. Value of home: replacement cost of structure was appraised at $78,800 for insurance purposes. Debt balances: (net income = $4110/mo) - auto loan, $290 monthly / $8750 remaining - motorcycle loan (yes I'm a girl and I ride bikes!), $149 monthly / $4500 balance - student loans, $275 monthly / $7500 remaining - credit cards (2 total), $120 monthly paid (min pymt lower) / $2500 remaining - first Prosper loan, $125 monthly / $350 remaining (Dec-30-2009)

Q: Please indicate your monthly net income and expenses. thanks - reflective-rupee

A: Thanks for the questions. Answers follow. Debts: (net income = $4110/mo) - auto loan, $290 mo / $8750 remaining - motorcycle loan, $149 mo / $4500 balance - student loans, $275 mo / $7500 remaining - credit cards (2 total), $120 mo paid (min pymt lower) / $2500 remaining - first Prosper loan, $125 mo / $350 remaining. < Expenses: internet/phone/cable, $120/mo - utilities, $210/mo - vehicle expenses, $160/mo - home/health ins, $340/mo - food/home needs, $450/mo - entertainment , $400/mo (Dec-30-2009)

pay off credit cards

Purpose of loan:
This loan will be used to?

paying off high interest rate credit cards. discover i owe $5,300 and citi card i owe $4,700

My financial situation:
I am a good candidate for this loan because?
my credit is excellent i'm never late on any payments and this woulld be my 3rd prosper loan all have been paid off.

Q: Please describe you profession and the nature and stability of your employment. thks - reflective-rupee

A: CNC Machinist very stable job working 60-70hrs week for 2.5yrs (Dec-29-2009)

Q: Please indicate your monthly net income and expenses. thanks - reflective-rupee

A: monthly income is 4000 month before taxes after taxes 3200 bills come to $2300 month have 2 houses and one is rented out for 600 month house payments are 1st house owe $56,000 worth $70,000 house payment with tax and ins $425 month rented @$600 month 2nd house owe $40,000 worth $55,000 house payment with ins and tax $416 month. needing loan to pay off credit cards owe $10,000 total $300 month would like to pay $400 month to pay off within 36 months. (Dec-29-2009)

Consolidating my debt

Purpose of loan:
This loan will be used to pay off my credit cards and debt. I will use this loan to pay off a pay day loan in the amount of $230, $2,500 to CareCredit credit card (this card has a promotional balance on it and it adds an additional 700 dollars if it is not paid off by January 17th), $710 to credit plus loan, and?$50 to my window motor for my passenger side window in my car needs to be replaced (the window will not even stay up and it stays freezing in my?car)?. I am only able to pay the minimum amount due on these, and if I had one bill one time a month then it would be a lot easier for me and give me more money from each pay check to pay more on this loan and pay off other debt as well. It is so spread out right now?that I have bills due every couple of days which makes it very hard to pay anything extra. Doing this loan will save me almost a hundred extra dollars than what I currently pay.

My financial situation:
I am a good candidate for this loan because I work very hard, and pay all of my bills on time, just too many and would be a lot easier for myself to manage them if it was just one payment each month. I also attend school at DeVry University and am having to pay them $1,500 dollars every term which makes it hard for me to make all of those payments and still afford to live. I just would like to get organized and get out of debt by making one payment a month to cover all of these costs. I plan to pay more on this loan every month, and also get out of debt at the same time. My credit is in good standing, but my DTI is too high so financial institutions will not lend to me.

Monthly net income: $2,000

Monthly expenses: $
??Housing (own): $630.00
??Insurance: $85.00
??Car expenses: $200
??Utilities: $150.00
??Phone, cable, internet: $75.00 only have a cell phone?
??Food, entertainment: $200.00 (no entertainment that is just for food)
??Clothing, household expenses $0 (this comes out of my food?money)
??Credit cards and other loans: $460.00
??Other expenses: $200.00 (this is for gas for the month)

Q: What are you studying at DeVry and when will your graduate? How will your employment change after your graduate? thanks much - reflective-rupee

A: I am studying to receive my BA in Technical Management with a concentration in Project Management. I love my company I am currently employed with and they have great advancement opportunities so I am hoping to find a project management job with my current company. (Dec-30-2009)

Q: Please describe, in some detail, the nature and stability of your profession, your employment and your employer. thanks much and best wishes. - reflective-rupee

A: I am a financial analyst. My profession has a ton of stability. I code and send all of the invoices to AP in my company for the invoices to be paid. If I am not coding them and sending them the invoices are not getting paid and services are being disconnected, then our company cannot function properly. My employer is one of the largest credit card processing companies in the US. I work for a company called Elavon which is owned by US Bank. (Dec-30-2009)

Q: are there yearly bonuses that are awarded in the next few months? thanks - shrewd-income

A: Yes, we do get a yearly bonus in February each year. Not sure how much, but we also get a 2% raise each February as well. (Dec-31-2009)

Q: Please list the balances of any debts that you have (including mortgage debt) that is not shown in your description above. Please indicate the current value of your home (feel free to use zillow.com). thanks - reflective-rupee

A: I just bought my house on September 4th of this year. I bought it for $74k. The other debts that I have are an American Eagle credit card with a balance of $630 with a minimum payment of $25 a month, and a Capital One credit card with a balance of $930 with a minimum payment of $30. (Dec-31-2009)

Q: Do you have a mortgage on your home? If so, what is the balance on the mortgage? thanks - reflective-rupee

A: Yes, I just bought my house in September of this year for $76k. The balance on my mortgage is $74,451.09. (Dec-31-2009)

Q: hi, does USB help reimburse education expenses? do you have a spouse/partner who helps with some of the expenses? thanks - shrewd-income

A: Yes, they reimburse 75% of the education and the $1500 is what I am left with after USB pays their part. I do have a partner who helps with some of the expenses (food, utilities, some of house, and anything else that we need). My partner only makes about half of my income and has bills as well so it makes it hard for them to help at times also. (Jan-04-2010)

Q: Your monthly net income ($2000) is equal to your monthly expenses. How will you afford to pay this loan? - bonafide-commitment2

A: I am doing this loan for a debt consolidation. As to where I pay almost $500 in credit cards/loans now, When I get this loan I will only be paying half of that including this loan payment. I will still have about two hundred dollars extra after this loan is paid. (Jan-06-2010)

Try Again

Purpose of loan:
Refinance Prosper loan at lower rate.

My financial situation:
Have cash deposits at banks and low expenses.

Monthly net income: $ 1500

Monthly expenses:?$1050

??Housing: $435
??Utilities: $?65
??Phone, cable, internet: $?50
??Food, entertainment: $ 450
??Clothing, household expenses $?50
? (Auto Expense paid by employer)

Q: Altho' this loan is at lower % rate, you will end up paying more total since you are starting with another 36 months of payments vs 18 mos left on the 1st loan. Are you planning to pay this 2nd loan off early or do you need monthly extra cash? - BankofBeth

A: The original purpose of loan was to improve my credit score and reputation, after paying cash for everything for over 20 years. The purpose of the second loan is the same. Am not short of cash. Both my payments and interest expense will be lower all this year, but of course, you are correct that this new loan will go on for three years. New loan at a low rate is a bargain and there is no reason to pay early. (Jan-08-2010)

paying off credit cards

Purpose of loan:
This loan will be used to?
I will be using this loan to pay off a couple of credit card accounts. I accumilated the debt last year because of a family emergency.

My financial situation:
I am a good candidate for this loan because?

I always pay my bills.?I have stable job as a MRI tech at a hospital. I want to pay a fixed amount every month which i can include in my budget.

paying off my credit card

Purpose of loan:
This loan will be used to?
Would like to pay off a credit card.
My financial situation:
I am a good candidate for this loan because?

Monthly net income: $
1,300
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ 293.00
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 150.00
??Clothing, household expenses $
??Credit cards and other loans: $ 270.00
??Other expenses: $

Q: Explain your occupation . - Capit0l

A: As a House Manager in the Domestic Violence Services, I orginize the daily routine and safety checks at the Domestic Violence Shelter. I also over see the shopping budget for food and supplies for the shelter. I also place the work orders in as repairs are needed. I also work with a total of 12 clients to whom we provide emergency services. (Dec-30-2009)

Q: 1.Explain your housing situation and how you accumulated this much credit card debt. 2. The minimum payment for $29000+ of revolving debt should be $600+ . how come your showing only $ 270.00? - Capit0l

A: My husband and i both share the expenses of the bills. When appling at Prosper the question about income would not allow me to combine both our incomes. (Dec-30-2009)

Paying off credit cards

Purpose of loan:
This loan will be used to pay off two credit cards totaling in $600 so I can zero out the balances and avoid late fees and hig processing fees that are charged monthyl.

My financial situation:
I am a good candidate for this loan because, I have a stable job that I have been in for 5 1/2 years, in a booming industry. I've recently purchased a home with an FHA loan and used the credit cards more than I would have liked to. I ultimately applied for them to help increase my credit score.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 140
??Car expenses: $ 400
??Utilities: $ 75
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ $50
??Other expenses: $ 1000

Q: Can you give details on your 12 DQ's? Thanks - unger

A: They are all old and outdate student loans that were paid off in 2007. Thanks, (Jan-04-2010)

paying bills

Purpose of loan:
This loan will be used to? pay bills

My financial situation:
I am a good candidate for this loan because? i have good income and i am sincere with the people i do busisiness with

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $
??Insurance: $ 150
??Car expenses: $ 350
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $ 500

Q: Why was your first listing, which was fully-funded, cancelled? Thanks, in advance, for your response. - Catz_aplenty

A: I was told that my drivers license which I faxed several times was unreadable. I got a call Monday night and was told to fax my license and that I had about an hour to do it. I faxed the license right away after the call. When I called back to check to ensure the licensed was received,I was told that my loan was called because documents were not received on time. (Dec-30-2009)

Q: 25 delinquencies in past 7 years? Am I misreading that or is there some explanation? - ghinga

A: I do not believe that member is accurate. In the past I have had some bills that were not really mine that I had to correct . I have had a few late bills but most were due to hurricane expenses which unpaid that my insurance did not take care of. I promise to make sure my loan is paid on time when funded (Jan-04-2010)

Injection Molding for food dicer

Purpose of loan:
This loan will be used to pay for the second half of the injection mold tooling for a food dicer.? I have developed a food dicer that actually will cube food by simply placing the fruit or vegetable into a chamber and then when turning the handle it produces nice cubed food without having to do anything else.? The time to cube an apple . . . just 10 seconds.

The prototype is complete and the design is ready for tooling.? I have paid the first half of the injection mold tooling and have the money for only part of the second half of the payment for the tooling.? The $15K will pay for the balance of the tooling.? This product will be profitable within three months.? We will sell the product at home shows and state fairs.? My father has sold direct-sell products at shows for 20 years and is going to help me sell them to get started.

My financial situation:
I am a good candidate for this loan because I am gainfully employed and am able to repay the loan regardless of the outcome of the product.? I have excellent credit which shows my commitment to paying on time every time.