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GAP is underwritten on the original loan only. If you refinance the GAP does not carry over.
@Anonymous wrote:
@Anonymous wrote:Yep, once you refi your loan with another company, the previous company no longer honor your GAP insurance and you should get a pro rated refund back your your previous finance company .
I did. Still no GAP , about 4k upside down. If something happens worry about it then. I would purchase from GAP direct if I could.
Curious why you did not refi with a credit union? What made you just go with Capital One. Have you looked at refi again rates are super low right now. So that you are able to get GAP. I know some credit unions have a higher LTV than traditional banks.
@Harvey26 wrote:
@Anonymous wrote:
@Anonymous wrote:Yep, once you refi your loan with another company, the previous company no longer honor your GAP insurance and you should get a pro rated refund back your your previous finance company .
I did. Still no GAP , about 4k upside down. If something happens worry about it then. I would purchase from GAP direct if I could.
Curious why you did not refi with a credit union? What made you just go with Capital One. Have you looked at refi again rates are super low right now. So that you are able to get GAP. I know some credit unions have a higher LTV than traditional banks.
At the time no credit union would refi due to LTV, CapOne was willing. Credit scores too low right now to refi with a Credit Union.