First off, thanks everyone for your replies - IMO web forums are the greatest resource out there for "newbies" and it's always nice to land somewhere that folks are responsive.
I am usually of the school that I will tolerate "x" amount of BS to save a buck but my bank works hard for me so I feel like any prospective creditor should at least care.
I actually gave them an exact scenario and asked them to quote based on those assumptions including FICO scores and D to I ratio - she didn't even read this part LOL
Jayco, no offense, taken - I understand your position and I agree in principle. My thing is if I have an 8-10% return on cash elsewhere, I will finance about anything at 4.8% all day long. That and I would likely never go the full 12 years on a 8 year old MH, but I want to get on the road before my daughter graduates HS and I need to stay liquid so that's that :-)
I went back to Goodsam today and received yet another "ho-hum" response.
I just don't get it. I know that credit rules are far more lax than they were 20 years ago (ok, but not 10) and therefor more customers (in theory) but I would bet that the downturn in credit worthiness has outpaced the increase of "qualifying applicants".
I'll stop there before I ramble on aimlessly about the "new" credit score models that the bureaus sell you vs. the tried and true model that banks use...
