Bob, your banker can help you determine a fair market value based on info of the unit. You may want to contract a co. or certified technician to perform a pre delivery inspection on a unit you are considering. This service is similar to a home inspector's job if you were buying a home. You will also want to have the maintenance records looked at and a chassis mechanic look over the drive train and suspension.
Mike, RVIA & RVSA Certified Master RV Technician
Amy, Dr. Assistant - Roxie & Mei Ling, four legs each
2000 Gulf Stream Scenic Cruiser 450 hp & 1330# torque
06 Saturn Vue, 06 Chevy Z71 4x4 & 2014 Corvette Z51 M7