I ve actually found over the last 4-5 years loan rates and overall ease of getting loan is not local anymore, I have gotten far better rates with online instituions than anything and most of the time they done want a book for an application like locals do. But I also get prime everytime due to my credit. If your below a 700 these days good luck, a 650-700 isnt bad depending on where you are in life, but not to banks anymore

Hey guys give this guy a call:
Jason Fox | Finance Specialist | o:* 616.494.2628 | f:* 616.494.2629
Coastal Financial

Just did a refi deal w/ them, very simple & great to deal with!!

I will give them a call.

Fountain 4402, I had my last truck loan online, but every time I check now my wife's credit union is killing everyone. Not sure if it is the amount of we have with them or what (Home loan as well, at 4%).

As for credit rating we are over 800, and very low debt to income ratio.

yeah credit rate is everything. I get USAA and Penfed at times due to military. Two years ago I was getting 3.99 for my camaro. Yeah we got an offer the other day for home refi at 4.25, but think were jetting from this place soon and dont want to tack on refi charges to our principal.

That was the best thing, I got this years ago and no refinance fees. Not touching it.

We don't have any other loans except the boat right now. What part of NY do you live in?

upstate NY about an hour North of Syracuse

Essex is a joke! Denied on the refi. Save you time and don't even bother with them.

Agreed. Essex wasted my time!