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Old 09-12-2012, 06:19 AM   #15
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You are in the classic 'Catch 22' situation. Can't get credit because you are not enough of a dead beat. What is hurting you is past loans and such will drop off you credit history after seven years and you end up a blank sheet of paper as far as lenders are concerned.

Other than a line on the home keep shopping around. The home line can be expensive if there are points or fees. I financed my coach with USAA since I'm retire Navy I was eligible. Good rate with 10% down payment and bi-weekly payments was an option I had available.
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Old 09-12-2012, 11:45 AM   #16
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Go find a credit union.
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Old 09-12-2012, 11:47 AM   #17
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Quote:
Originally Posted by Sweetbriar View Post
You are in the classic 'Catch 22' situation. Can't get credit because you are not enough of a dead beat. ...
Ahem...cough...cough...I have a long credit report and am not a dead beat.
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Old 09-12-2012, 01:19 PM   #18
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Suntrust bank is the countries leader in RV loans. Call them.
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Old 09-12-2012, 04:22 PM   #19
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Ahem...cough...cough...I have a long credit report and am not a dead beat.
Sorry didn't intend to imply such.
Look up the term in the dictionary and you will see my ex-wife and she gets preapproved credit applications daily in the mail. The problem you and I have is we subscribe to the model that minimizes what we owe to who we owe which I suspect makes us less desirable to a lender. They can't justify charging us 15-25% interest which the dead beat ex-wife pays on the dozen of credit cards she has.
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Old 09-12-2012, 05:13 PM   #20
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Sorry didn't intend to imply such. ...
I'm just funning with you a bit. I always try to avoid overly broad statements because they are generally ripe for rebuttal with no defense. You're cool.
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Old 09-14-2012, 04:16 PM   #21
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I had a loan on 2008 Georgetown XL 378ST from Bank of the West and I saw an ad in the Good Sam mag. that we get and it was offering a lower rate than what I had.
So guess what? I applied for it and got that. My payments went down over $50.00 a month and I had 8 previous payments on the old loan knock off, plus they sent me a check for just over $200...Not bad for just signing my name to a new loan paper.

Now the real problem...My wife passed away on Memorial Day of this year.
Now I have no more interest in RVing and I seem to have hit a road block as far as selling my Motorhome. Does anyone have any suggestions on how to sell it.
I already tried Cragslist, a National Market Company that took my money to put it on their web site and list it on ebay. Had a few low ball offers on ebay, but it didn't sell and now it's just going to the bottom of their web-site, probably never to be seen again.
Shoot i can,t even sell the 2007 Malibu Maxx TOAD.
It looks like everyone just stopped camping or as my wife and I use to say...just getting away.

Joe & My Beloved Late Wife Jeannette
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Old 09-14-2012, 04:37 PM   #22
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Sorry, off-topic....

jdickson,

So sorry to hear about your wife, my sincere condolences.

Looking at this (below) it appears you sold your motorhome.
2008 Georgetown XL 378ST - RV & Motorhome Classifieds

back on-topic
I believe you would get better rates taking out a mortgage on your house and just buying that RV outright.
My $0.02
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Old 09-14-2012, 09:41 PM   #23
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Thank you all for your comments. The only problem with a mortgage on the house is.... We're selling it and most of our "stuff" and hitting the road. So very worse case scenario is we use some of the proceeds from sale to get the motor home. It will be a balancing act for sure.
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Old 09-14-2012, 11:59 PM   #24
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Just pay cash for it...
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