Toy Hauler financing

[cjcali408]

My wife and I are wanting to purchase and live full time in a toy hauler fifth wheel in about a year. Our credit isn't terrible. We have somewhat higher utilization right now which we are paying down really quickly. We had a couple late payments a year ago because when our son was born he was in the NICU for over a month and we didn't really have much income that month due mostly to covid and being shut down. We do make about 105-120K a year between us and are wanting to put down 15-20K on about a 75-80K rig. Any input on the likelihood of us being able to get it done? Fico scores are mid to high 600's right now. 

[GApeachy]

The only stubbling block is if you tell them you're wanting to live in it full-time. That's not desirable to FI's for some reason.....which I guess I understand the reasoning behind it. eta: insurance, county ordinances, etc

It's best to finance before that's the situation imo.

Anyway, we've run into this problem a few times with Wells Fargo, local CU, Wachovia, to name a few.  Best deal we got with all of our past RV's was with our local CU though...best rate by far.