Thanks for your responses. First bank is not friendly to work with. I can't even sell to someone who could take over pmts. Second our loan has been resold three times now and each place gets worse. They aren't even banks. Now its Santander. GEMB was before and a nightmare to even contact. Good Lord if I had only been able to seeing the future LOL. I can make the pmts always have and never late. Its just I want a small one I can drive but found you cannot have 2 RV loans with anyone even with outstanding credit as we have, so as long as I have this big one I can't get a small one. My hubby said all along bite the bullet and just pay for it. I am but you can't blame me for wishing it were different. I only posted because sometime someone else has an idea that's different. Also Good Sam does not refinance anything older then a 2003 I inquired. Yes this could be a lesson to others think really hard before you ever fall for that 20 yr loan on an RV its not worth it.