RV Financing?

We just found the 5th wheel we're about to call our own and so now it's time for financing. We've been approved by Good Sam RV Financing, which is great, but it seems they're making it a little inconvenient. I was curious if it's common to have to have the inspection done prior to getting the financing? They're calling this "closing costs," similar to when one purchases a "stick" home. I say inconvenient, because we're currently in Kansas City and the rig we're about to purchase (from a private seller) is down in the very southern tip of Texas. Do all RV financing companies require an inspection? Is this just for full-timers?? Is there another financing company someone else could suggest? Thanks in advance, we're just looking forward to getting our rig and hitting the road this January!