I think what YOU guys need to do is consider the future - where do you see yourselves in 7 to 10 years? Are you close to retirement, and if so, is RV'ing going to be more of an avocation then or not?
DPs have their advantages, there is no doubt. However, IMO they are not cost-effective if only used sparingly. Yes, they are quieter and have better ride quality (within reason) and are usually larger and all - but every RV is quiet and rides nicely when sitting in your back yard.
If you see yourself in an RV for four months or more a year or thereabouts, then a DP may be, in the LONG RUN, a better deal.
If your Georgetown is still solid, and does what you need AT THE MOMENT, I'd stick with it in the near term. There is no good reason to get further in debt for something that will see no more utilization at the moment.
You realize that in most cases, you can DEDUCT the interest paid on a MH loan if it can be used as a 2nd home (Bath, Bed, Kitchen). Some people might also find it advantageous to take equity out of their home and use it to purchase the MH - depending on situation, of course. That's what we did - I paid our home off a few years ago with a chunk of retirement/pension money (it was less than 70K) but then taxes became more of an issue that I'd figured. We also wanted to get some work done around the house. So we re-financed for about 50% of the home's value, bought the MH for cash, and got the work done. The payment is very manageable, since it's spread over 30 years, and I don't foresee us being in the house more than 10 or 12 years down the road, so there's no reason for us to pay it off early. When we sell, we'll still walk away with enough to get a smaller S&B if we want, and we also have a livable MH if we just want to full-time in there.
Your age, family concerns, retirement, etc, all play in to a decision like this. Only YOU can decide what will be important to you in the next 10-25 years.
