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Old 04-27-2020, 04:22 PM   #21
I Think We're Lost!
 
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Bank of the West...
But that was late last Fall; when the economy was booming.
I think that I just hit it lucky.
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Old 04-27-2020, 05:57 PM   #22
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Originally Posted by Bob Denman View Post
Bank of the West...
But that was late last Fall; when the economy was booming.
I think that I just hit it lucky.

Thatís who I called a few months ago. At that time they were at about 4.5%

I donít know about ďjust got lucky ď. The real reason is they just like you better than me.
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Old 04-27-2020, 06:00 PM   #23
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Bank of the West is a common RV financer. We have financed through them with new TTs 3 times, and normally pay off the loan well ahead of schedule, BUT:

The last time we did that we were hit with an early payoff penalty. Yes, it was in the contract on the last loan, never was in previous loans.

So check your contract with BOW before signing the dotted line or before paying off early.
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Old 04-27-2020, 07:22 PM   #24
I Think We're Lost!
 
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State: New York
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Originally Posted by jannnda View Post
Thatís who I called a few months ago. At that time they were at about 4.5%

I donít know about ďjust got lucky ď. The real reason is they just like you better than me.
You've got to trust me on this:
I'm not all that like-able!
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Old 04-29-2020, 06:05 PM   #25
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I started with US Bank and have been happy.
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Old 04-29-2020, 07:43 PM   #26
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Originally Posted by Judge View Post
I got an e-mail Good Sams as well about MH refinancing.

My current rate is 5.49%. They are offering 4.49% for similar loan amount and term. When I used their calculator to determine the payment, it was only a few dollars less ($6) than my current payment.... and that was with using $5000 less than my current balance.

I suspect they have some hefty refinancing fees.

I was already adding a few extra dollars to each payment so I may just increase it and that will have the same effect as a lower APR in terms of paying less interest... and paying it off sooner.
I was put off by the Good Sam Calculator as wellÖ I would give them a ring and have them do the Quote. I was with USAA and then re-fied to Good Sam.
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Old 04-29-2020, 08:07 PM   #27
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Originally Posted by Glenn Briglio View Post
Need to refinance my Axis mh. Suggestions of what companies to use?
We just bought our new coach in March, financed it with the dealer (for an extra $3,000 off the price), with Bank of the West 5.74%. However, we got a home equity loan/mortgage (house was fully paid for) with Bank of America. Since we have other accounts with them, we got a rate of 3.25% and paid of the Bank of the West loan.

Refinancing probably would involve extra closing costs/fees, although you'll need to run the numbers. Consider continuing making your extra principal payments, as it might be cheaper.

I had a house that I purchased in 1998 with a 30 yr. mortgage, but by making big extra principal payments, I had it almost completely paid off in 10 years. (saved a lot of $ in interest).
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Old 04-29-2020, 08:11 PM   #28
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Refinancing a my

Check with your local credit union I went through the pentagon credit union and got a great rate
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Old 04-29-2020, 11:58 PM   #29
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Originally Posted by Glenn Briglio View Post
Need to refinance my Axis mh. Suggestions of what companies to use?
Watch Good Sam....(they go through Bank of the West) they're rates have dropped about a week ago.
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Old 04-30-2020, 12:18 AM   #30
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Yup! I saw 3.99% in a magazine today. Call them, and it may even be lower!
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Old 04-30-2020, 12:49 AM   #31
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It allows me to not see posts from a blocked member.
If asked or told something and their response ignores questions or answers already given them, repeatedly, I block them so as to not find I respond to them in future threads only to get the get same lack of response or selfishness or misinformation.

Click
User cp on the upper left of the screen below the splash title.
Look in the column on the left.
Toward the lower end of that column you'll see
edit ignore list.
Click it, type in the full or partial name of the offending member, select from the drop down provided.
Click save changes (or something like that)
A list of blocked members will show.
You can remove them from your blocked list easily with just
Uncheck the box
Click save changes.
I donít know you. I donít know anything about you, where you live, how old you are, where youíre from, your past, your present, your thoughts about the meaning of life, but I believe I truly love you.
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Old 04-30-2020, 12:45 PM   #32
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We use Bank of the West at a 5.75% rate.
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Old 04-30-2020, 12:58 PM   #33
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Originally Posted by Bob Denman View Post
Yup! I saw 3.99% in a magazine today. Call them, and it may even be lower!
That's probably for their 5 year loan. It goes up from there for longer terms.
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Old 04-30-2020, 01:07 PM   #34
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Check with your local credit union I went through the pentagon credit union and got a great rate

I'm a member of 2 credit unions and neither one of them does RV loans. I asked if I could get a regular car loan on my motorhome and they said no.
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Old 04-30-2020, 01:10 PM   #35
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My CU doesnít do RV loans either.
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Old 04-30-2020, 02:37 PM   #36
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State: Indiana
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If the refi is due to lack of employment during this covid-19 pandemic, your lender might defray payments without penalty for a period if that helps.
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Old 05-06-2020, 06:49 PM   #37
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Originally Posted by GTM41261 View Post
Not trying to be rude but instead of refinancing can you make an extra $100. payment maybe more to get it paid off quickly instead of giving the bank interest money every month.
This is exactly what I have been doing for any loan I have.
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Old 05-06-2020, 08:57 PM   #38
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We use Bank of the West at a 5.75% rate.
4.39 today. No cost refinance.
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Old 05-06-2020, 09:15 PM   #39
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4.39 today. No cost refinance.

How many years?
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Old 05-06-2020, 10:49 PM   #40
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We have M&T Bank. 4.99% for 20 years last November. Iím making about 3 times the regular payment and making extra payments when I can (like the recent relief check). Hope to have it gone in about 4 years.
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