need to refi kind of
 

can someone send me in the right direction? i have my boat and loan in my wifes name for 2 years now and would like to change it all in my name now. is that considered a new purchase or is it a refi since its going from 1 name to another? i cant refi it in her name rite now. what are my best options? i have asked my bank that i have now and they r not taking any new apps. anymore. anyone have an out for me? thanks in advance for anyones help

Kyle AKA Loan Ranger should be able to help you. You can send a PM or find his contact info here on the board (sorry< i don't currently have it with me).

keep us posted

She is basically selling it to you??? Sounds like a new purchase. I don't think it really matters with regard to rate though if its a new purchase or refi. Just that a new purchase would need $$$ down.

The problem I see is you could be liable for sales taxes. If she gifts it to you for tax purposes, then you might not be able to get the loan????? I don't know. Just some things to consider.

Sounds like a big mess to me.

Joe,
Give me a call on this to go over the details. I have some calls in to my banks to see how we could work this.
Kyle
727-324-1359