Finance Recomendations

[wannavolunteerF]

I am looking for recommendations to finance a pre-owned Class A. I am purchasing from an individual and am planning to finance for now. I will likely payoff when house is sold next year (unless it makes more financial and tax sense to invest at that time). I don't need all the advice on financing or paying cash.. that decision is made.

I am looking at two sources of financing, both of which have advertised 3 or more percent less than my credit union. One is Essex Credit (a Division of Bank of West) and the other is Southeastern Finance. Has one ever used either? Looking for ease of process and customer service. Also I am curious what Southeastern (who says they don't finance full-timers) would do, if I sold the house and didn't pay off the load, just changed my address.

[MDKMDK]

Popsie wrote:
We took a different approach.

When we decided to retire, we gave notice to our employers,

Then my wife put our house for sale on the internet (she is a computer smart person - that was her job), and in two days someone came over to look and ended up buying our house.

Shortly thereafter we put stuff in storage and gave it to charities and bought our RV - a two year old Class A using some of the money from the sale of our house.

Since then, we've primarily been full timers with some breaks in the action with family etc.

BTW, since we were selling the house on our own, we did not deal with any real estate people. My wife had legal service as part of her work and they put together the sales contract (one half of a page of paper), and managed the whole sale, deed transfer, etc. for less than $50 for the whole deal.

Awesome. :B

[Popsie]

We took a different approach.

When we decided to retire, we gave notice to our employers,

Then my wife put our house for sale on the internet (she is a computer smart person - that was her job), and in two days someone came over to look and ended up buying our house.

Shortly thereafter we put stuff in storage and gave it to charities and bought our RV - a two year old Class A using some of the money from the sale of our house.

Since then, we've primarily been full timers with some breaks in the action with family etc.

BTW, since we were selling the house on our own, we did not deal with any real estate people. My wife had legal service as part of her work and they put together the sales contract (one half of a page of paper), and managed the whole sale, deed transfer, etc. for less than $50 for the whole deal.

[dogsgocamping2]

We used Essex through Costco. It is okay. Best rate I could find at the time.

[Ductape]

Essex is OK, not great. Slow to process the paperwork when we used them, I got the impression they were using contractors to do the application work. Bank of the West owns them and your loan will be serviced through BOW. Online payment process and statements worked OK.