Archive for the ‘rv loan’ Category
I’m financing it through a personal loan from my cousin. But, I still need credit life insurance to make sure the RV home is paid for if I die before the note is paid off. Can I get this insurance anyway being HIV+?
How long is the term of the note?
If it’s a short term, and you’re *only* hiv+ without fullblown aids, it’s possible to find coverage through a high risk broker.
You could also consider extremely expensive guaranteed issue policies - although at the cost, you could probably pay off the RV a couple years sooner, by putting that extra premium to the principle.
I was thinking about getting a mobile home but I had heard that a mobile home mortgage is the same as a car loan. I found a mobile home for 115,000 would that qualify for a home mortgage since it is a very high amount?
A mobile home has axles and wheels and can be moved but is designed to be set on the ground and lived in. Usually a bank will lend money and you can get more money if you also own the land underneath the mobile home. This makes it real estate because the home is on a plot of land. The interest rates for mobile homes are higher than for stick built homes but do vary depending on your credit situation and credit scores.
A rv or recreation vehicle is a drivable vehicle that is licensed with the department of motor vehicles and more like a van or bus. You can sleep in RV's but they are not considered permanent housing.
I hope this helps
Me and a friend were planning on moving out into an apartment when we noticed we could get a fairly alright RV or camper for $12,000 - we could get a loan for it and pay the loan off over time (interest won't really matter), and have the ability to roam around and temporarily live somewhere while looking for a job without having to pay for housing.
Of course there's cleaning the septic tank but we can always find an RV park or something. :/
Good idea or no?
YEAH!! Why not!! Go for it!! If you guys are young and just starting out, I think it would be a great idea!! You can move where you want to, when you want to. Living on the road for a year or so is especially convenient right now due our current fragile economy (meaning… you will probably be able to get temporary jobs during your pit stops) and a great way to see the USA!!
KOA Campgrounds has RV campgrounds in every state in the country and Canada!! http://www.koa.com/
You guys can work out a cleaning schedule for the RV, which is the least of your problems.
This is a once in a life time opportunity, so take it!! If you don't, you'll always wonder "Why didn't we….?" RIGHT?…RIGHT!!! So, go get the RV tomorrow, hit the road, and send me a post card!!!…
HAVE A GREAT TIME!!!…really!!…(I'm jealous…)
they have mailed me new loan papers to sign that raised the payment $50.00 and will end in 2012 with balloon note of $50,000,I only make minimum wage, this loan is immpossile and I used my family land for security to buy an R.V. to live in on land . the loan paid for the r.rv and they also hold that title to it and 35 acres of land. I will lose land and R.V. if I miss payment. I cannot afford legal advice.
I do not have trust in this bank, after I filed B.R. in the legal time frame to prevent public sale in small town, the bank attorney sold the land in public auction claiming they did not recieve the message to halt from my B.R lawyer,causing great family feud and embarressment,they did reverse it after damage was done,they raised the loan almost 20,000 due to few days of interest while I struggled to file bankruptcy and also 7000.00 for attorneys fees added which is all included on new papers they want me to sign. This is in S.Ga. I am now legal resident of FL after moving here with family and securing employment.Need legal advice in Lake City FL,could I renew this loan with new company?Do not want to lose land family owned and pd for for 100 yrs.Do not wish to be locked into this bank that my ex-n-laws have ties with and constantly try to breack me,they are who the bank attorney tried to sell land to,I have always felt this small town takeover attempt,I need new loan for longer period
Should I try for loan with local companies, online, in Fl or do I have to keep loan in Ga. where land is? How do I know who to trust? How should I gather advice?
Did you reaffirm this loan in your bankruptcy? If so they can not force you to agree to new terms, interest and payments they must honer the original agreement.
You need to talk to your bankruptcy attorney this is what you paid them for.
I have been unemployed for just about 8 months right now. My resume, when the job market was good, was a decent resume. I had some help from an associate at the last institution I worked for, however, reviewing it, I do not feel it is all that strong. Could I get some help or just another set of eyes to look at it and let me know what you think?
Also, should I list my unemployed status? I am working part time at Target while unemployed for some supplemental income, should I post that? Should I leave Linens n Things on there, even thought it was only one month?
Thank you in advance,
–A sad and frustrated banker.
Adam Armstrong
225 Stark St. NE.,
Salem, OR. 97303
503.856.6681
adam.armstrong@live.com
Objective:
-I am seeking a position that will further my career, as well as assist in the growth of the company and my fellow associates.
Profile:
-Nearly four years experience in management.
-Exceptional training in communications.
-Goal-oriented individual with strong leadership capabilities.
-Organized, highly motivated, and detail-directed problem solver.
-Proven ability to work in unison with staff, volunteers, and costumer’s.
-Strong sales leader.
Education:
-Currently attending the University of Phoenix, majoring in Business Management.
Relevant Work & Accomplishments
-Management/Supervision
-Mentor (trainer) for new associates.
-Annual budgeting.
-Consistently able to help the branch meet the goals set (20% increase from previous year).
-Directed recruitment and retention of supervisors and staff of nine employees.
-Training, supervising, evaluating and coaching improvement management skills.
Relevant Work Experience
Linens n Things, Salem, OR.
Nov. 25th, 2008
Dec. 23rd, 2008
Department Manager, HouseWares,
-Sold fixtures, gave quotes, and helped in the removal of fixtures.
- Assisted in the liquidation of all product.
-Answered phones, and questions on the phones.
-Recovered HouseWares and assisted in recovery of other areas in the store.
-Double verified deposits.
-Ran transactions on cash registers.
-Recovered shopping carts.
-Assisted in all aspects of customer service.
-Assisted associates when needed.
-Stated employment with the understanding that the position was temporary due the liquidation.
Marion and Polk Schools CU.
Assistant Branch Manager II,
June 14th, 2007
Aug. 20th, 2008
Salem, OR.
-Provide exception service to staff and customer’s alike.
-Home Equity and Mortgage loans, as primary lending duties. Assisting in auto, boat, RV, personal and Visa loans as well.
-Involvement with the West Salem Rotary and the West Salem Business Association.
-Community involvement, primarily with the West Salem High School, in our Titan Branch. We currently have three interns working between the two branches.
-Branch support in all aspects needed. Assisting other loan officers, acting as a teller, handling member discrepancies and teller cash/check outages.
-Meet monthly referral goals.
-Handle multiple operating systems at one time.
-Met the following lending goals monthly: $250,000.00 home equity loans. Close at least one mortgage.
-Make sure the branch meets its control policy and passes all audits, according to company policy and State/Federal guidelines.
-I would handle new and existing IRA’s and Certificate deposits.
-Coaching the staff monthly or as needed by individual.
-Marketing and new Relationship marketing quarterly with our Relationship Manager.
Umpqua Bank.
Nov. 1st 2004
June 9th, 2007
Lead Associate/Mentor
-Lending in the following areas: auto, RV, home equity, Visa.
-Opening and maintain new accounts, IRA’s and time deposits.
-I would assist in branch goals and the overall flow of the branch.
-Open, close and assist members in safe deposit boxes.
-Weekly we had teleconferences where we would discuss our success, and areas we needed to improve in.
-Balancing the vault, coin machine, and teller drawer.
-Over draft reports; calling and following up with clients.
-Yearly we had to volunteer 40 hours to a local charitable organization.
-As a mentor my duties were to train the new hire in the Umpqua culture. I would train them on
1)Service
2)Products
3)Sales
-I would also, on occasion, assist in ‘Train the Trainer’ classes.
Don't forget Cover Letters!
Cover letters should include:
Which position you are applying for
A summary of your key skills & qualifications
An explanation as to why you have chosen the company & position
Resumes should:
Be created for each application
Clearly state your education information- type of degree, grade average & major
Detail your involvement in extra curricular activities and include personal experiences
Use bullet points, write in clear, concise terms using active words
Keep it 1 page
Detail any work experience: volunteer, internships, independent contractor, part-time, full-time
Yours looks great. Just avoid long sentences. You want to go for short, succinct yet clear points. Be more specific with your objective.
*aigh* The recession is killing me. I have had a fullt-time eBay business (successful) for 9 years but my income has dropped to the point where I'm still current on all my bills but taking cash-advances off credit cards occasionally to get them paid (just one card and that's the first I pay back, and ASAP, actually I just transferred that debt to another card — that's another question…does that debt transfer as "cash-advance" or do they not know that when they pay off the balance of another card). I'm working three part-time jobs in hopes of not having to do that anymore. I live in my rig (2001 36' fifth wheel) full-time and am staying put for a year to save money, and I'm looking at spaces on private property this week to cut my current $270 space fee in half. I'm already paying nearly $600 for the loans on the vehicles. I called the bank about refinancing and because I was honest about my income drop (dumb), they not only couldn't lower it, the new estimated rate was higher than I'm paying now.
Who would you go to to look into a better rate on these loans? I'm currently paying 9.29% on the truck and 10.29% on the rig.
I have $20,000 in credit card debt which doesn't help matters, with another $11,000 available. None of the cards are "maxed out", I even have one card with a $9000 limit with a zero balance, but it's not pretty. I just want to cut every corner I can to help get this debt paid down.
I'm 42 but was out of the game with mercury poisoning most of my adult life and started the eBay business at 32 a few years after getting my diagnosis, so I could set my own hours and focus on my health. I had almost all my debt paid off before putting a lot down on the rig and the truck in '07, just before the gas prices spiked and the economy started to tank. So here I am again.
Thanks ahead of time for any help or suggestions.
My credit rating fluctuates between the high 600's and the low 700's. But it's surely dropping rapidly with the additional $7000 of debt in the last eight months.
I'm sorry, I guess I forgot to add that I'm not an idiot. I don't respond to offers from private individuals (never mind people with anonymous e-mail addresses, and I'm sure as heck not gonna offer up my personal information to some outfit I've never heard of. The fact that you folks would try to steal the identity of someone who is already having a hard enough time is reprehensible.
Try getting a free online truck loan quote. http://www.autoadviceonline.com/Auto-Loans.html The automated questionairre will let you know if you can be approved. It will only take a few minutes.
I have an RV that I still owe 13k on, the bank refuses to renegotiate my loan in any way. Now what?? I have tried to get it refinance other places, and my income to debt ratio is to high. The bank said they couldn't help me and offered to come get my RV. How do I do that so they don't try to garnish my wages for what ever is left on the loan?
What you have to do is find a buyer that will pay you what you owe so that you can pay off this RV loan. Either that, or get a second job to raise your income to lower your debt to income ratio.
How do we finance a small loan of $25,000 to get RV Delivery Service on the road?
In this times is pretty difficult to find financing, but i will suggest business angels
The blog posted bellow contains a number a advices for small businesses, maybe it will help you, it has an article about business angels
http://expert-business.blogspot.com/
You got people that want to purchase RV's with good credit that can't get a loan to purchase an RV.. Thats HOGWASH! People are not buying RV's because they are overpriced gas guzzling, depreciation, pieces of junk. You got a nation on edge b/c they dont know if gas is going to go to $4.00 a gallon.. Thats why people are not buying RV's.. BE HONEST with the people OBAMA!
bdzot, sure does! Priceless Point!
Slaps - It will just drain money from our economy to prop up a useless government. PRICELESS!!!! They all want it passed so they insure they all get a pay check.. Forget about us… I think America is headed to a society of those that have and those that have not..
so true. he result of gas spiking then dropping back is no one wants to buy a car. All automakers are in serious decline. Of course the press pretends that American automakers are in worse shape than the rest, but Honda and Toyota are just as hard hit, and RVs are much harder hit.
Then Obama pretends a porkulus bill will help, but in fact it will just drain money from our economy to prop up a useless government. What a liar.
And getting to be a crybaby.
i have a motor home i bought about 9 months ago and im in a tight situations where its hard to make it by paying for the rv..what are my options besides selling it because i cant sell it because the same exact rv is selling for about 10k less then i owe..i feel so trapped and i dont want to mess up my credit what should i do??? helpppp DONT SEND ME LOAN OPTIONS BECAUSE I WANT OUT OF THE LOAN IM IN I WANT OUT OF THIS RV LOAN
Contact your local government and see if they offer some kind of debt relief services.
Is it possible to rent it out so that you can cover your monthly payments?