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Old 12-30-2009, 01:56 PM   #1
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full time financing

I have read that it's virtually impossible to get financing if you intend to full time in a MH. Surely you can get around this some how? I wonder if you used a family members address as your permenent address - possible?
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Old 12-30-2009, 02:49 PM   #2
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Its what I do, also allows me to register the vehicle in a part of the state where smog inspections aren't necessary for registration and the insurance rates are lower.
'92 Dodge W250 "Dually" Power Wagon
KIT 1106 Kamper Slide-in Truck Camper
'06 Heartland Bighorn 3400RL Fifth wheel
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Old 12-30-2009, 02:56 PM   #3
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I have several fulltiming friends who financed their MHs.

They use a mail forwarding service like most all fulltimers.

Check with the lenders.
Adios, Dirk - '84 Real Lite Truck Camper, '86 Wilderness Cimarron TT, previously 4 years as a fulltimer in a '07 DSDP

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Old 12-31-2009, 08:21 AM   #4
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We have been fulltimers since 1998 and during all those years, we've bought RVs and automobiles, financing them using our mail forwarding address. Have never had a problem getting a loan...most recently, just this past spring.
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Old 12-31-2009, 11:38 AM   #5
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Never heard of that problem and we know many fulltimers who buy & finance the usual things in the usual way. Guess it depends on your overall credit position. Lack of a permanent physical address is surely a risk factor from the bank's point of view, but it's only one of dozens of things that go into a credit-worthiness score.
Gary Brinck
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Old 12-31-2009, 04:15 PM   #6
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It may be more of a problem with some lenders than with others. For example, one credit card company wanted a copy of a utility bill showing our address to be sent in with the application for a new card - not possible for a full-timer. We wanted a new credit card with a better reward program, but we couldn't get a new card with this company even though we already had one with them because we couldn't provide a utility bill. Another credit card company had no such requirement, and we easily got a new card with them.

It would pay to ask around.
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