Loan Officer Harlan
Loan OfficerForum Replies Created
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Is Ozempic expensive? How much is Ozempic for you to take 1.0 mg once a week?
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Ozempic (Semaglutide): Facts and ImpactsWorking Mechanism
Semaglutide, or Ozempic, is a GLP-1 receptor agonist and is one of the Ozempic medications. By stimulating insulin secretion and simultaneously reducing glucagon levels, Ozempic counters hyperglycemia and lowers blood glucose levels. Subsequently, glucose levels in the blood are reduced, glucagon levels are reduced, and stomach emptying is slowed, leading to appetite suppression.
Dosage and EffectsStarting Dosage
A starting dose of 0.25 is common to avoid adverse reactions from Ozempic. The dose is increased to 0.50 mg, and to many healthcare and pharmaceutical providers, the new dose of 1.0 mg tends to be more effective. The dose is increased to improve the body’s ability to tolerate the new medicine and minimize unwanted reactions.
Changes in Appetite
If a person follows the therapeutic dose of 1.0 mg or more, many people are able to see or feel less appetite and reduced body weight after weeks or months of use. People are known to be very different and respond to results in very personal ways.
Managing Diabetes and Losing Weight Weight Loss
Using Ozempic facilitates weight loss, but only after a certain period. This is particularly the case with eating a healthy diet and exercising sufficiently. Results will be notable if the medication is taken with positive and healthy lifestyle changes. Constantly monitoring one’s weight and eating patterns can provide insight into the results and overall effectiveness of the treatment.
Diabetes Management
Type 2 patients with diabetes need to check their blood glucose levels frequently and follow the guidelines given to them. Diabetes can be managed with the use of Ozempic, but only with a well-rounded treatment that includes lifestyle adjustments and other medications.
RecommendationsMonitor Your Health
You should closely monitor your weight, blood glucose levels, and appetite changes. This will help your doctor decide the most appropriate treatment for you and adapt your regimen if necessary.
Discuss Concerns with Your Doctor
If you notice that things are not as you would like them to be after a certain period of time, it is important to let your doctor know. Adjusted treatment or more multidisciplinary approaches to weight and diabetes management can be suggested.
Consider Changes to Everyday Life
Ozempic works more effectively when a proper diet and some additional exercise are incorporated. Lifestyle changes and medicine options, together, greatly improve and constantly enhance one’s condition.
FAQ When Can Results from Ozempic Be Expected?
This depends on person to person, but some people notice a decrease in appetite and weight loss in a few weeks to several months while consistently taking Ozempic, especially in 1.0 mg and higher dosages.
Is Ozempic Only For Weight Loss?
Ozempic is designed for people struggling with type 2 diabetes, but it can also help with weight loss. The patients using it only for weight management typically have a more complex plan, including lifestyle changes and medicine, which is given under different dosages and brand names.
What Do I Do When The Desired Results Aren’t Visible?
If you’re not meeting your goal, you must talk to the other person and help them understand your feelings. Most likely, it’s your healthcare provider. Your progress can be assessed, and the current plan can be altered.
What Are The Side Effects?
Like any medication, Ozempic has side effects. The medication is known to cause nausea, vomiting, and diarrhea. Any side effects of concern, especially ones that persist, should be reported to the physician.
How Many Times Should I Measure My Glucose Level Within A Day?
The frequency of blood sugar checks is distinct for each case assigned. Each doctor dictates his or her own methods, so the frequency varies. Monitoring is paramount and should be done routinely, especially when starting or altering medications.
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I started taking ozempic two months ago. I started with 0.25 mg the first month. The second month, my doctor increased it to 0.50 mg. I been taking 0.50 mg for over a months and nothing happened to my appetite. My doctor increased it to 1.0 mg this week. When do you think I will notice appetite loss and heal my type 2 diabetes? I am 5’9″, 210 pounds, and do not exercise. I need to take my weigh loss, and diabetes seriously because it is affecting my heart, lower body, and out of breath often. Thank you.
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Some foods and snacks that can be consumed while managing diabetes include fruits, vegetables, legumes, and nuts such as peanuts, as well as dairy products such as cheese, yogurt, and milk, accompanied by healthy snacks like avocado dip, spread, or slices, and whole-grain variants of bread, brown rice, and quinoa.
Fruits
- Fiber-rich and vitamin-rich low-glycemic fruits like apples, oranges, and berries should be added.
- These fruits help with blood sugar levels.
Vegetables
- Bunches of leafy greens, such as spinach or kale, and vegetables of any color, like bell peppers, carrots, or zucchini cores, can help with blood sugar.
Nuts and Seeds
- Healthy diabetes snacks such as flaxseeds , walnuts,almonds , and chia seedsshould be consumed for protein, fiber, and healthy fats4,5
Whole Grains
- Whole grains like quinoa, brown rice, and whole grain bread should be consumed for long-lasting energy and blood sugar control.
Legumes
- Beans, chickpeas, and lentils provide protein and fiber, which can moderate blood sugar levels.
Dairy Products
- Some foods in a balanced diet for diabetics include milk, cheese, and Greek yogurt, which are good sources of probiotics and protein.
Avocados
- Avocados decrease blood sugar levels while also being a source of healthy fats and fiber.
Popcorn
- Air-popped popcorn is a low-calorie fiber snack that can soothe pangs without causing huge blood sugar spikes.
Hummus with Veggies
- Chickpea-based hummus captures little protein and fiber, becoming a balanced snack with veggie sticks.
Hard-Boiled Eggs
- While you said no chicken or poultry, eggs are a useful protein source that can assist with blood sugar.
Pistachios
- These nuts are perfect as a snack for diabetics, as they are rich in fiber, protein, and healthy fats.
Oatmeal
- Steel-cut or rolled oats are a better choice as they are highly fibrous and blood sugar regulators when eaten in moderation.
Fruit and Nut Butter
- A small piece of fruit and a tablespoon of almond or cashew butter offer a useful combination of carbohydrates, protein, and good fats.
Cottage Cheese
- It is high in protein but can also be eaten with fruit or vegetables for a more balanced snack.
Balsamic Vinegar
- Enhancing the flavor of salads or vegetables with balsamic vinegar may help with insulin sensitivity.
- Salsa and chips, fruit, and other diabetes-friendly quick snacks.
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News Update from Silver Price Correction October 17, 2025 Live – Instantaneous jump to $54 and Road to $100
As of October 17, 2025, investing in silver today attracts significant media attention as the price changes every hour and silver prices fall by .33 percent from the closing price of $54. Portending their immeasurable increase likewise, the price of silver opened today at 54.47. It closed at 54.24 by noon, closing almost 50 percent of its profits. The instabilities in the prices heavily correlate to the history of silver multifold jumps, not as a surprise, the price of silver peaked during the noon hours of every day. Automating an index for silver metrics allows for even more heightened profits. Silver, as a principal metal, is sensitive to negative sentiment and its aggressive sideways trading. Predicting its value in the long term seems even more beneficial, and silver stands a chance of jumping considerably to trade at even 100 in months. The following paragraphs in the report will discuss the price prediction and changes for silver and heavily analyze the sentiment of $100 target. Moreover, it will discuss whether it is a case to make significant buys for silver. We want to analyze if silver is screaming a buy in 2025.
October 17, 2025, Correction in silver price appreciation over 87% in 2025 YTD. Why and how.
Tracking silver’s appreciation of over 87% in 2025 YTD has been an uphill battle. Checking last week’s Friday, silver closed at approximately 49.86, increasing 6.23% during the week and gaining 49.86. The metal surging over $54 per ounce has been making headlines. Following the volatility, it has been reported that silver crossed the threshold, closing at $54.49. Over 87% of the year has been a new record and has recently been conquered. Since the silver Correction of October 17 of this year, there has been a rapid climb, bringing in short-term traders. There has been a consistent dip in the value of silver and other precious metals over the last week of September. Profit-taking has also been reported on other assets, notably safe havens. Over the last three months, there has been a consistent run in the value of silver, which has crossed the level suggested by industrial demand for solar panels, electronics, and electric devices, along with the global recession. Consistent fear has been reported over rising inflation, poor geopolitics, and a dip in demand for electric vehicles.
What does this silver price drop indicate regarding market dynamics for 2025? It is a reset that is beneficial in preserving fundamental ratios for a market bubble that is in danger of overheating. It won’t collapse until the fundamentals realign.
Silver is, after all, a monetary hedge and an industrial commodity. Despite the dip, it faces strong supply-side pressures and constraints, caused by the depletion of mines and the soaring demand for green energy. In fact, today’s dip is better termed the morning dip. Today’s morning dip is a fine example of silver’s “perilous” momentum phenomenon, where the euphoric highs of the bullish peaks morph into bearish caution in hours. Historically, market indicators such as downward pressure on fiat currency and high currency market activations (slips) on silver-related discourses give reason to believe this Correction is more blip than blemish.
Thus, this Correction to 54.07 reduces the positive inertia silver acquired this year. It begs to be negated when the quantum of gains, irrespective of a 2025 increment in value, suggests that the 25% rise of silver ought to be sustained. The Correction reminds us that there is a prudent level to gain spacing for more growth.
The $100 Silver Prediction: Is It a Dream or a Reality?
Since the beginning of the year, the idea of silver reaching $100 an oz. \has been ringed with ice speculation, whilst silver enthusiasts and Peter Schiff, an economist, argue the fundamentals predict a strong case. He bluntly asks investors to “dive in”. The idea seems unbelievable; however, if multiple forecasts tell a different story, it may come True. Silver is expected to reach $75 before December, and $90 at some point after, while crossing the $100 mark a little after, if we consider the industrial demand and supply ratios. This aligns with an event some may refer to as “blow-off top”, as a high demand is expected in the market, and supply will be limited. Further, it goes on to describe a situation confirming supply will be [about all](https://www.citywire.com/fund-manager/i-aim-to-pick-fewer-better-ideas-better-meerings-13-fund-manager-interviews-tested-ideas-13-ayse-ucel-sub-company-headed-investinghaven/a1914905)-current price point of Silver trade $52.50, with the greater reality confirming silver will be tested at the all-time high at the above mark. All of this confirms that if the economy continues to surge as it did before and the market continues to drop, silver will reach the $100 prediction.
If silver prices hit $100, that will mean an 85% increase from today’s $54.07 price, which seems achievable given that prices during 2011 hit $50 after adjusting for inflation. To silver, that suggests that it is rising, which may highlight a broader decline in currency or weakening of tech supply chains. Still, there are bear arguments that a resolved trade showdown or a strong dollar will hinder progress, but silver is on the right track. Current trends suggest that silver will likely increase in value and can hit $100 by the end of 2026. Минд суждения не спекулятивен. There is minimal engagement in the discussion, which suggests a strong interest in silver, along with the increasing price of platinum, which drives more investors to consider silver as a starting point for diversification and drives the theory of silver being the new gold.
Will Silver Stay as a Screaming Buy Despite the 2025 Correction?
Given the hovering silver price today at $54.07 and having just touched $54.47, the $1 million question is simple: Does this Correction further embolden the silver case, or has the rally gone too far? Looking at the price today, the market is quite positive on silver as a buy, with several still believing that the price will be $54.07 at the very least in October 2025. This makes silver a buy and a safe alternative during times of economic downturn and rising geopolitical tensions, coupled with persistent inflation. Unlike gold, people still want to argue that silver is not a ‘safe’ investment. Silver’s industrial upside makes gold’s safe investment stance seem unsophisticated. Strong renewable demand helps shore up a price at $40-$50 in the short term. Those sitting on investment platforms also talk about silver’s undervaluation compared to the historic $1,741 per kilogram, and hence make a perfect investment for a portfolio hedge when gold’s exorbitant price tags are too ridiculous to bear.
That aside, calculations affect the bear and bull cycle: a bull cycle today can translate to $100 if the dollar dips and holders of the dollar rush to profit take. While holders willing to take this risk to profit take can, holders of silver long term should focus on the profit in 2025 rather than the loss today. Experts say to use bullion, ETFs, or stocks while investing and to focus on profit more than loss on silver rather than the other assets to cut losses in this volatile market. Silver, on the other hand, should be the focus. With the 2025 data and details in prospect, more and more of your earnings should go into silver. Whether you’re a pro or a rookie looking at this market, use this to profit. Hold the vision and let the fundamentals do the work. Please keep checking back for more updates on this bull run as it extends.
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Current Situation: The Price of Silver has Grown Out of Control
On October 16, 2025, silver was priced at around $53 and $54, which hadn’t been seen before; this silver price is a record nominal high. On October 14, silver reached $53.60, which surpassed the record of $49.45 in January of 1980 and was held during domination over the market by the Hunt brothers. Silver price has appreciated by over 75% this year. Silver is rapidly increasing in price and has surpassed gold with a record high today of $54.04. The price is striking due to panic buying and silver’s growing demand in industrial buying. In the last week of October, Silver was priced at $51.58; four weeks before that, it was $47.99. In total, this was a 29% gain. The price of COMEX silver futures contracts for December 2025 has displayed an overall increase, reaching a price of 53.62. The retail market has shipping shortages, and Polish silver dealers are paying high prices, indicating scarce supply.
Users on X, formerly Twitter, are generating a ton of buzz over “short squeezes” and the potential for even more upside. The sentiment is electric, although warnings of overnight crashes linger due to manipulation issues.
Historical Context: Cycles of Boom and Bust
Silver price history comes to extremes because it is both an industrial metal and a form of currency. The peak of $48.70 in 1980 was due to a speculative bubble, and it fell below $5 in 1982 due to regulatory crackdowns. The 2011 peak of $49.90 was in response to the ETF inflows and inflation after the Financial crisis, and like the bull market unwind, it also fell sharply. In nominal terms, the current price of $54 is higher than both, but inflation-adjusted, the 1980 price is approximately $170-200. This indicates that the current price is slowly being determined in terms of the 1980 price. According to the historical data, silver is said to price ever year at a 5-7% return, but with extreme volatility: up 150% in 1980, down 60% in 1981, and a 400% increase from 2001-2011. The gold-silver ratio of approximately 75-1 is high relative to the historical long-term average of 50-1, suggesting the silver price has more room to grow if increased demand increases.
In January 1980, the price skyrocketed to $49.45 due to the Hunt brothers’ speculation. This price translates to about $170-$200, based on the inflation for the year 2025. That would make it $49.80 today due to the demand after the Global Financial Crisis in 2011. The same peaks would be set on October 14, 2025, due to the industrial inflation of around $53.60. All of this could be due to inflation as well. The drop during the global crisis makes it apparent that demand during a recession would be lower, which would demand some industrial inflation to boost investment.
Drivers of the 2025 Surge: A Perfect Storm
The surge in the price of silver in 2025 is far from fanciful; it is the product of fundamental changes in the silver market, in addition to certain broad economic phenomena. Silver, unlike gold, is about 50% industrially used, and that is increasing rapidly. Solar-panel production alone consumed 200 million ounces in 2024 and is expected to hit 300 million by 2025, mainly because of the global shift towards green energy. Silver is also used in electronics, EVs, and the medical field (antimicrobial coatings), contributing to over 400 million ounces. With the economic rebound, real demand, which is growing 10-15% year over year, significantly surpasses gold’s real demand, which is purely financial—this is why silver is relatively outperforming gold by 20% over the previous year. Aggressive geopolitical tensions, like the enduring Middle East conflicts and the U.S.-China trade war, have moved investors towards precious metals. These precious metals have been purchased by numerous central banks, which, along with the record levels of gold bought in 2024 and 2025, accidentally accelerated silver purchases via Exchange Traded Funds (ETFs) like SLV, which has seen an inflow of $2 billion in the last quarter alone. With new Cyprus plans predicting the United States to become inflation-deflationary, with civil unrest(cutting, crossing the 3.2% inflation with countless dollars), it adds confidence loss to fiat; a new and accurate description. These include the predicted deflationary plans; however, Goldman Sachs points out, ‘for its volatility, silver is a cheaper alternative to gold considering the price differential amount in the market places the latter at a premium’. Currently, global mine production is around 800 million ounces a year. Demand is closer to 1.2 billion, meaning there is a 200 million ounce deficit, which has been the case for three years.
Recycling is part of the solution, but the focus of new mine development is blocked by ESG considerations and capital expenditures (e.g., $500-800 million per project). Mexico and Peru account for 40% of total production, but strikes and regulations have restricted expansion. The Fed’s rate cuts (down 50 bps in September) reduce the dollar’s value, fostering dollar-denominated commodities. Loose policy supports expansionary capital flows (risk-on) into cyclicals like silver. X chatter reinforces this: Users report jewelry stores stripping silver inventories for premiums, and analysts like Peter Schiff affectionately refer to it as silver’s “express train to $100.”
Market Imbalance: Supply and Demand Dynamics
To illustrate the squeeze, global supply in 2025 is about 1,010 million ounces, of which 830 million is from mined production, and 180 million from recycling. Demand is 1,220 million ounces, which comprises 220 million from jewelry,650 million from industrial applications (solar, EVs), and 350 million for investment in ETFs, coins, and bars. This creates a supply deficit of 210 million ounces. The significant and worsening deficit of 210 million ounces, which is projected in 2025, adds to the depletion of global stockpiles. This is especially true for silver stockpiles at the COMEX, where silver inventories have declined by 30% YoY. In the absence of supply ramp-ups, unlikely to occur before 2027, prices will continue to be driven upwards.
Expert Forecasts: $1,000 – Realistic or Pipe Dream?
The everyday financial expert’s assessment of the silver price seems more optimistic. However, they don’t entirely count out some downside risk. For example, Sprott has a target price of $36-39 for silver by the end of 2025, moving drastically to $50 by the middle of 2026, based on silver zest imbalances. From the other side of the globe, the Bank of America along with Deutsche Bank has a silver price target of $50 in the nearer time frames. At the same time, a certain Canadian bank expects the price of silver to be $50, substantiating it soon. More aggressive opinions, seen in CPM Group’s Jeffrey Christian forecast, assert that the price of silver will be $100 in 2-3 years on a sustained basis. Peter Schiff echoes $100 on X, and more technical, behavioral, or so-called chartist analysts like Garrett Goggin expect a “blow-off top” to $100. As for making claims about reaching prices of $1,000 for silver, that indeed lends itself to the outlier category. Beyond a reasonable price prediction, analysts say it is highly implausible for $1,000 to be achieved and worn by events of ‘catastrophic proportions’, such as a break in the supply chain and hyper-inflation that so happens to exceed the 1980 epoch. In the inflated context of the USD, Silver has a cap of $200, while models including AI, like ChatGPT, predict the $50-70 range for 2026, specifically not reaching triple digits. One quirky X user jokingly claims this could happen ‘if no fake silver is invented’, but those who deal with the industry know better: industrial use of substitutes as viable copper alternatives and the increasing value of silver being recovered from end-of-life products. Silver is an outlier in other contexts. For example, it is estimated that silver moves 1.7 times faster than gold on swings, according to many wisdom, and has no negative volatility ‘mutation’. When we look 10 years ahead, it seems a reasonable prediction that silver will range between $77-100, given the still ongoing deficits, and also a gold-silver ratio of 50:1, meaning silver would be $80+ at times when gold is priced at $4,000.
Adjustment and Warnings for Investors
There are also some mishaps with(Silver). 2011 saw a 70% retracement due to the potential for Fed hawk activity and a stronger dollar. Sluggish industries (for example, the EV frenzy cooling) and manipulation allegations still stand, but the COMEX is now more transparent. Physical buyers pay a premium, typically 5-10% over spot, while ETFs tend to track the underlying market or paper prices more closely. Regarding diversification, silver is appropriate for 5-10% of a portfolio for inflation hedging. Holding physical silver (coins/bars), also known as “stacking”, is popular among survivalists, but liquidity favors futures/ETFs for trading.
Momentous But Measured
The $54 silver price in 2025 provides support for the bull argument. Deficits, industrial tailwinds, and macro fears are poised to drive prices even higher, perhaps to $60-70 by year-end. The narrative of (one thousand) dollars is a point of excitement on X instead of reality. It’s more rational to expect something closer to $100 as a target for this cycle instead. Unlike the 1980s, which saw a price frenzy, we are now experiencing a more supply-constrained uptrend with multiple legs. Pay attention to the gold-silver ratio and COMEX stocks. There’s a moving train, but while the journey is important, the destination is equally important. If you want to take advantage of this opportunity, you should do it fast, as we are in a window.
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I completely understand your concern about the difficulties in financing a 2001 Tiffin Zephyr 43-foot diesel Class A motorhome with just 52,000 miles on it. Those miles are astonishing for a vehicle that is 24 years old, and it is frustrating that banks do not want to finance older RVs, regardless of their quality. Your friend is correct in saying that the depreciation in Class A motorhomes and the economic slowdown are primary reasons why RV production has slowed. This is because diesel pushers like the Zephyr hold value much more than their gas counterparts. However, many banks and lenders have refused to finance Cohans’ RVs for over a decade because of the depreciation value.
Credit Unions to Finance Class A Motorhomes
The good news is that several credit unions and specialized RV lenders are willing to finance a 2001 RV, particularly diesel models like yours, because of the mileage. Do not expect the financing to be favorable. You will face tougher requirements, such as higher interest rates, bigger down payments, shorter loan terms, and higher credit score demands. You will suffer from a lack of income, credit, and a professional RV appraisal or inspection.
- If you’re considering financing older diesel motor homes such as your Tiffin Zephyr, there are lenders to consider.
Southeast Financial Credit Union
Southeast Financial Credit Union has no model year or mileage restrictions, making it ideal for lending with a 2001 model.
- Loans provided for qualified borrowers can range from $10,000 to $500,000, for up to twenty years, and at an interest rate of 7-9%.
- Borrowers can become credit union members for a $5 charity donation (sefinancial.com, 800-700-8909).
- For borrowers who wish to finance an RV up to twenty years old, Good Sam Finance Center provides financing options with flexible mileage policies, supporting independent sales with a minimum credit score of 600.
- Interest rate and term range from 5-10% and 15 years, respectively (loans.goodsam.com, 888-943-6891).
Triment Funding and Newcoast Financial Services
- Triment Funding and Newcoast Financial Services work with a lender network with no strict age limits and offer unsecured loan options if secured financing doesn’t work, at rates of 6-11% and 8-12% respectively, with a term of up to 15 years for
Newcoast Financial Services
- Newcoast Financial Services also provides options for older motorhomes.
- Set Financial has no stipulated age limit and offers financing options for old motorhomes, with interest rates and loan periods spanning 15 years or 8-12% interest rate. (newcoastfinancial.com 800-700-8909).
- With a division of SunTrust, LightStream offers up to $100,000 in unsecured personal loans with interest rates ranging from 7% to 15% for RV loans.
- LightStream has secured funds within 24 hours and requires a minimum credit score 690 (lightstream.com).
- Lastly, provisions from Frankenmuth Credit Union include 0% down payment financing options for older RVs, with 20-year term limits and interest rates within.
6-10% (fmunion.com, 800-800-9270)Southeast Financial and Good Sam
- To increase the likelihood of loan approval, it would be advisable to start with agents such as Southeast Financial and Good Sam since they tend to be more lenient.
- Before final approval, it is suggested that proof of payment, title, and VIN of the RV, along with a professional appraisal and credit report, which is approximately $300-$500, be organized beforehand.
- Lazydays and Camping World are RV dealerships that work with over 300 lenders, which provide advantageous rates, even on older models such as the Zephyr.
- If RV financing does not work directly, consider a personal loan from a credit union, or explore the second mortgage option, which is exciting at lower rates with tax-deductible interest.
- Please refrain from using credit cards, since they carry a high interest rate.
Your friend’s point about scarcity is expressed more directly than others. It is especially relevant after 2020 due to the slowdown in RV production. Low-mileage diesel pushers, such as the Zephyr (retail valued about $80,000-$120,000 per NADA), are more and more desirable due to economic and supply chain factors. However, lenders still consider age a risk. If you would like to give me more specific details about the credit, the income, or the location, I would be more than happy to customize my recommendations. I wish you happy travels when you are finally on the road with that Zephyr!
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I really think prices of Class A motorhomes are going to appreciate because many RV manufacturers are not making as many motorhomes as they used to due to the economy and the rapid depreciation of Class A motorhomes. I have heard from a friend who works as a motorhome saleman that many lenders of motorhomes that is ten years or older is not financeable. That is ridiculous. Does anyone know of any credit unions or lenders that will finance a 2001 Tiffin Zephyr 43 foot Diesel Class A Motorhome with 52,000 miles?
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Chad, do they have mortgage processing and mortgage underwriting courses? I am curious on what type of training program they have for mortgage processing and underwriting.