Boat Loan

[babbles]

well I applied for a boat loan through USAA, debt to income with the new payment will be about 33% with a mortgage and scores in the 700s, no credit card debt but they have put a few messages up from pending to reviewing manually, asking for up to 33k, not feeling real good about it since it's been 48 hours now, with decent dti and scores I guess they still can use something else against you??   

[4sallypat]

GL on the loan and let us know what you are getting - new or used ?

Dealer or private party ?

[babbles]

I reduced the amount of the request from 33k to 23k and  was approved for 24k,  started looking at my dti is why I reduced  it and looking at newer  used boats but the issue I am running into thus far is boaters are coming up with prices that are way above NADA( that's what USAA goes by), so i've got 45 days to come up with something and or sell my current used '95  boat to supplement the short fall, USAA only does 90% of the value

 i looked at a ladies boat  the other day and she was pretty defiant that the bank will send her a draft so she can pay off the boat, that's not how it goes when there's a lien involved.USAA would pay off her boat straight to her bank