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A public debate has emerged regarding Pastor Rob McCoy’s statements about his son Mikey’s actions during the assassination of Charlie Kirk. The controversy centers on a significant discrepancy between McCoy’s account and the available video evidence.
In a widely circulated speech, Pastor Rob McCoy stated that immediately after Charlie Kirk was shot, his son Mikey called him, remained calm, and was covered in Kirk’s blood while assisting. He said, The minute Charlie was shot, he [Mikey McCoy] called me and said, ‘Dad, Charlie’s been shot in the neck, please call every pastor and pray. He had his wits about him.’
However, the video footage presents a different account. Mikey McCoy, Kirk’s chief of staff, is seen calmly walking away from the scene with his phone. Observers, including Candace Owens, noted his clean white shirt and apparent lack of urgency, leading to claims that Pastor McCoy exaggerated the events to portray his son as a hero.
Andrew Kolvet, a spokesperson for Turning Point USA, defended Mikey McCoy. He described the criticism as an “extremely disgusting attack” and stated that Mikey was following Charlie Kirk’s instructions to contact his wife, Erika, and then his father in an emergency. Kolvet also noted that Mikey was already using his phone to record social media content for Pastor Rob McCoy when the shooting occurred. Rob McCoy is under public scrutiny, and people are calling for accountability, but there have been no official consequences. Commentators like Candace Owens have called his statements “lies.” Owens said the claim that Mikey McCoy had “blood all over him” was the first of several alleged falsehoods linked to Turning Point USA. She also said calling Mikey a “hero” was another allegation. The controversy has spread across media outlets, prompting debate and speculation online. The significant gap between Pastor McCoy’s statements and the video evidence has led many to question the official narrative from Turning Point USA.
In summary, Pastor Rob McCoy faces ongoing public scrutiny, with prominent individuals and media outlets accusing him of dishonesty. The contrast between his account and the video evidence continues to drive these claims, though no official, legal, or church action has been taken.
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Pastor Rob McCoy is the scum of the Earth and is a proven lying piece of shit. Pastor Rob McCoy has lied on National Media Network about his gay son Mikey McCoy being a hero and a great leader by directing the crowd when his boss Charlie Kirk got assassinated when in fact Mikey McCoy ran from the scene like a coward. Is Lying Rob McCoy going to be taken accountable of his lying actions? This piece of shit Rob McCoy is a serial liar.
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Based on the available information from fact-checks and public statements, here are the facts regarding the rumors about Erika Kirk.
Is Erika Kirk Currently Pregnant?
No, Erika Kirk is not currently pregnant. The claim that she is eight weeks pregnant is false. In a recent interview on “The Megyn Kelly Show,” Erika Kirk directly addressed the rumors and confirmed she was not pregnant. She did, however, state that she and her late husband, Charlie Kirk, wanted to have four children together and that she had been “praying” she was pregnant at the time of his death. This personal expression of grief and hope was subsequently twisted by online rumors to falsely claim she was announcing a current pregnancy.
Is JD Vance the Father of a Child Erika Kirk is Carrying?
No, there is no credible evidence to support this claim. The rumor that Vice President JD Vance is the father of a child Erika Kirk is carrying is baseless and stems from the same false pregnancy claims. Fact-checking organizations have found “no credible evidence” to support allegations of an affair between Erika Kirk and JD Vance, and these claims have been flagged as unsubstantiated. The speculation appears to have been fueled by a public hug between the two at a Turning Point USA event, which was interpreted out of context and combined with the false pregnancy narrative.
What Are the Verified Facts?
Family: Erika Kirk and her late husband, Charlie Kirk, have two children together: a daughter born in August 2022 and a son born in May.
Public Statements: Erika Kirk has publicly spoken about her grief, her desire to have had more children with Charlie, and her hope that she was pregnant when he was killed.
Rumor Origin: The specific claim that she was “eight weeks pregnant” originated on social media and was spread without any factual basis, often by linking it to the timeline of Charlie Kirk’s death.
Fact-Checks: Multiple independent fact-checking organizations have investigated the rumors surrounding her personal life, including the pregnancy and affair allegations, and have concluded they are unsubstantiated or false.
In summary, the claims that Erika Kirk is pregnant and that Vice President JD Vance is the father are not supported by any facts. They are part of a wave of unsubstantiated rumors and conspiracy theories that have circulated online following the death of her husband.
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FHA Loan Late Payment Guidelines: What Borrowers Need to Know in 2025
Life happens, and one missed bill can ruin your mortgage dreams. If a random curveball sent a payment drifting past last year’s due date, you might now be anxious about landing that FHA loan. You’re not alone, and the good news is that a single tardy payment usually isn’t a deal-breaker. FHA rules acknowledge that most borrowers aren’t perfect, so they give a little wiggle room for small credit bumps.
At Gustan Cho Associates, we watch worried applicants turn panic into approval almost daily. Let’s break down the current guidelines, your backup moves, and the easy next steps you can take right now.
What Does FHA Consider a Major Late Payment?
FHA Memo HUD 4000.1 outlines exactly which credit messes it calls major derogatory events, and they aren’t too long.
Here’s the quick rundown:
- One payment that slipped over 90 days late.
- Three or more payments landed at least 60 days late in the past year.
- Once an underwriter sees either issue, your file is sent for manual review instead of the usual quick pass.
- That sounds scary, but flimsy paperwork doesn’t mean automatic denial.
What Is the FHA 12-Month Rule?
- Thanks to the 12-Month Rule, late payment within the last year will push your application into “refer” status.
- That means a real person, not a machine, will take a closer look.
- The human underwriter can still say yes if the rest of your file looks strong.
Can You Still Get an FHA Loan With Late Credit Card Payments?
- Sure, you can.
- A couple of 30-day lates on a credit card won’t sink your FHA loan.
- What matters is the full picture, steady rent history, regular paychecks, and good mortgage habits often pull your score back up.
Manual Underwriting: A Path Forward
When lenders use manual underwriting, they give old lates a fairer shake.
Here’s what they check:
- At least two years on the same job and/or field or a related field.
- On-time rent or bill payments for the last twelve months.
- Low debt-to-income ratio (DTI).
- Extras like small emergency savings or side income.
- Meet most of these, and those past slip-ups stop being fatal.
What Happens to Collections and Charge-Offs?
If you’re applying for an FHA loan, HUD treats collections and charge-offs a little differently:
- Medical collections are ignored when HUD reviews your file.
- Non-medical collections still get a peek, but clearing every last one isn’t always a deal-killer.
- Charge-offs on your credit report often won’t block the approval either.
- If your lender chooses to do so, they can look closely at manual underwriting.
Can You Get an FHA Loan During Chapter 13 Bankruptcy?
You sure can. FHA guidelines let you close on a new home loan while you’re in a Chapter 13 repayment plan, as long as you:
- Keep making your trustee payments on time for at least 12 months.
- Ask the court in writing and get permission to take on the new debt.
- Slide through manual underwriting instead of the faster automated route.
- If your plan is up to date, the team at Gustan Cho Associates is ready to help you.
Why On-Time Housing Payments Matter Most
- Your history of paying rent or your current mortgage looms large in any manual review.
- Nail 12 months of perfect payments, and older ding on credit cards can almost be ignored.
FHA vs. Conventional Loans After Late Payments
- FHA loans usually glance past older credit bumps and give applicants a friendlier look.
- Conventional loans still demand a higher score and far fewer fresh slips.
- Because of this, buyers with rocky records often pick FHA as the smoother path to homeownership.
Frequently Asked Questions (FAQ)
Can I get an FHA loan if I had a late payment recently?
- Yep, as long as the rest of your credit track and on-time bills look solid.
- It might shift your file to manual underwriting.
What is considered a major derogatory credit issue
- Anything more than 90 days late, or three 60-day lates in a year, counts as major.
Will I be denied for one late payment?
- A single slip usually won’t sink your FHA loan application.
What happens if I have a late payment during Chapter 13?
You still need 24 months of on-time trustee payments to stay eligible.
Are medical collections treated the same as late payments?
- Not really. HUD often overlooks medical collections and ignores them completely on FHA loans.
Do I need to pay off collections to qualify?
- Not every lender will insist that you wipe out all collections first.
- Medical bills usually get a pass, while non-medical ones may still matter.
What is manual underwriting?
- Manual underwriting is when a real person, rather than a computer, reviews your loan application.
- That closer look can help borrowers with bumpy credit histories get approved.
Can I get an FHA loan with recent late payments from my credit card?
- Yes, recent late payments aren’t a deal-breaker if the rest of your file meets HUD guidelines and rules on FHA loans and the underwriter is satisfied.
Does HUD care more about rent or credit card payments?
- HUD cares most about how you have paid your housing bills.
- A strong rent history can boost your chances even if other payments were shaky.
Who can help me get approved if I have late payments?
- Gustan Cho Associates knows every angle of manual underwriting and often guides buyers with recent late marks or steady lower scores.
Stop Worrying About Old Late Bills
- A few missed payments feel huge when you dream of owning a home, right?
- Breathe easy.
- Those hiccups won’t kill an FHA loan if you partner with a lender who lives the program.
- At Gustan Cho Associates, our team has your back and keeps moving the spotlight from problems to your new front door.
Would your situation work?
- Call 800-900-8569 or visit Gustan Cho Associates (https://gustancho.com) now for a fast, no-pressure pre-approval!
- Please visit our online community.
- Register and become a member.
Members have access to thousands if not tens of thousands of blogs, guides, posts, threads, and user-friendly too as such as the Best Mortgage Calculator, the latest updated FHA and conventional loan limits, easy to read pages, guides, articles, and blogs written by actual practicing licensed mortgage loan originators, licensed real estate agents, attorneys, general and subcontractors, economists, and experienced professional experts in their fields.
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BREAKING: US Bombs 3 Iranian Nuclear Bases, Puts Weight Behind Israel. NEW FLASH Military Action Pushes Middle East Line Past Breaking Point
June 22, 2025- Just hours after public speculation roared, President Donald Trump told reporters that American warplanes had directly blasted Iran’s nuclear heart without checking the clock or waiting for Congress. He declared the night mission a success and asked critics to watch the news in HD.
WHAT HAPPENED
- The Pentagon credits its bomber fleet for smashing three sites in one uneasy sweep.
- Tuned-in commanders say ten tons of explosives tore into the Fordow bunker while cruise-style missiles crashed into Natanz and Isfahan, one of them fired from underwater.
- ON AIR, Trump told Fox News host Sean Hannity that six massive bombs ripped through Fordow alone.
- Navy subs, he added, let loose thirty more from dozens of miles offshore, pushing Tomahawk technology farther than most ocean watchers imagined.
Presidential Announcement
- We’ve finished what the President calls a tremendously successful mission against Iran’s Fordow, Natanz, and Esfahan nuclear sites.
- Trump posted the news on Truth Social, saying every plane was already far out of Iranian airspace.
- A short while later, he boasted the facilities were completely obliterated and insisted the operation had seriously weakened Tehran’s nuclear program.
Arab-Israeli Back-and-Forth
- Hardly any time passed before Iran fired back with its missiles, sparking a furious give-and-take with Israel.
- That rapid exchange pushed an already tense region into what some analysts now label a wider conflict.
- Iranian state media have talked about more rockets headed toward Israel, while Israeli air defenses claim they intercepted the bulk of those counter-strikes.
Local Health Effects
- The Iranian Ministry of Health says several people were hurt during the bombings, yet every patient treated at Tehran hospitals showed no signs of radioactive exposure.
- Military analysts on both sides are interpreting that as evidence that the US strikes were aimed at limiting the spread of nuclear material.
Strategic Implications
Breaking News:
- The US has jumped head-first into Israel’s fight with Iran.
- This is not just one of those Washington press release updates.
- B-2 pilots up and away from Whiteman, Missouri, represent the boldest American shot at Iran’s nuclear hardware since nothing but talk was left. Call it diplomacy on fire.
Military Preparations and Future Actions
- Last night, at least a handful of those big black bombers lit red lights on flight trackers and vanished into the darkness.
- Cameras at the Missouri base caught the hush and hurry that usually whispers something bigger is coming.
- Oval Office leaks say another air raid is planned, probably before the morning coffee crowd pops up.
Regional and International Response
- The chatter in European capitals gets louder by the hour.
- Diplomats drop cliches and start using the word “nightmare” openly.
- Middle Eastern capitals read the same headlines and begin recalibrating old alliances like they’re clearing a chessboard for round two.
- Nobody on the ground looks relaxed.
- US Secretary of State Marco Rubio warned that any Iranian retaliation against the United States would be Tehran’s “worst-ever mistake,” signaling American readiness for further military action if provoked.
Analysis: Point of No Return
- For the first time in history, a direct US air-strike-orchestrated campaign has hammered Iran’s nuclear plants.
- That fundamental US pivot in the Middle East won’t fade overnight.
- When B-2 bomb bays opened and Ohio-class subs launched their Tomahawks, the world understood Washington meant business.
- Iran fired back almost instantly, trading missiles with Israel within hours.
- That volley proved the region had leaped into open hostilities.
- Global energy prices, already twitchy, slumped for half a day before rebounding as traders braced for a supply shock.
Current Status
- Sunday morning reports say both capitals still lob shells across a widening gulf.
- Damage surveys inside Iran are barely off the ground, so military engineers are scrambling.
- Allies, rivals, and drifting neutrals are glued to their screens, hunting clues about where the next flare-up might spark.
- Most analysts agree that the Middle East has stumbled into its worst crisis since the Gulf War.
- Broader regional spillover is no longer a hypothetical talking point—it is large and close.
This is a developing story. Updates will roll in as fresh details break.
https://www.youtube.com/watch?v=668oKOJ43_E
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4 Worst and 5 Best Pickup Trucks to Buy in 2025! Choosing the right pickup truck can be challenging, as there are many factors to consider: towing capacity, payload capacity, powertrains, reliability, and price. Some pickup trucks are true all-rounders, excelling in various aspects, while others fall short and are best avoided. In this video, we’ll explore both the standout performers and the disappointments in the pickup truck market. We’ll provide clear reasons why certain models deserve your attention and investment, while others are better left behind. Get ready to discover which trucks are worth your time and money!
🎬Watch our most recent video:
🔴5 Worst and 5 Best Toyota Vehicles 025 WATCH HERE 👉 • 5 Worst and 5 Best Toy… 😊 Hey guys! GCA Forums News is your ultimate source for everything about pickup trucks. We deliver the most detailed and informative videos on the hottest trucks in the market. We compare different models, features, and prices to help you find your perfect truck. We also explore the latest trends and innovations in the truck industry. Join us and discover the best trucks for your needs and preferences. Watch the attached short video below
https://youtu.be/KRUvHuGH8S4?si=HcWyEnwmc2MXH10-
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This reply was modified 11 months, 3 weeks ago by
Sapna Sharma.
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This reply was modified 11 months, 3 weeks ago by
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Adorable abandoned baby macaque monkey 🐒
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These baby monkeys are available. Please contact Alex Carlucci for more details. https://youtu.be/A0dH_vvm05I?si=T7wKYlHYNgfKpZWq
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2019 Ford Expedition MAX XLT Conversion to 2025 Platinum Clone: Mod List, Prices, and Pros/Cons
Consider turning your 2019 Ford Expedition MAX XLT into a nearly-identical stand-in for the luxurious 2025 Platinum trim. With the right aftermarket tweaks, you can add nearly all the high-end flair of the new model without the brand-new price tag. The 2025 Platinum comes stuffed with premium touches—rich leather, a gigantic 15.5-inch touchscreen, an available 24-inch wheel setup, signature lighting, and a subtly refreshed style that swaps the grille and darkens accents. While the Expedition’s underlying structure and mechanicals haven’t changed much, the new grille shape, updated headlights, and some minor inner-body braces mean the front ot detachable upgrades. However, you can still bridge the gap between the two vehicles with a mix of cosmetic, tech, and protection upgrades. Below is the full breakdown of mods, based on your original list, with installation tips, obstacles to plan for, and extra tweaks that thorough builders often toss on. Then we’ll outline the full cost, estimate what the truck might be worth once the receipts hit the table, and weigh that against the price, savings, and payments on a brand-new 2025 or 2026 Platinum.
Expanded Modification Suggestions and Installation Advice
Suppose you want to lift your Ford Expedition and make it look more aggressive. In that case, a 3-inch lift kit is a solid choice, giving it a look similar to the Platinum model’s off-road upgrade. Brands like Rough Country and ReadyLIFT offer kits designed for the Expedition’s independent rear suspension. These kits usually come with front struts, rear spacers, and, in some cases, upgraded control arms to improve wheel travel. Expect a 4- to 6-hour installation at a shop, plus a professional wheel alignment to keep your tires wearing evenly—order the alignment simultaneously to save headaches. Factor in 1-2 MPG loss in fuel economy and a firmer ride, so you might opt for adjustable shocks like Fox or Bilstein, usually costing an extra $500 to $800, to keep it comfy. Also, if you’re frequently towing, remember that the Expedition can handle up to 9,300 pounds. Double-check that the lift won’t affect your trailer hitch or weight distribution, and make any necessary changes to keep towing safe and straight.
If you want to give your vehicle a Platinum look without buying the trim, consider swapping the factory 18-inch wheels for 22-inch OEM-style alloys wrapped in 35-inch rubber, like the 285/65R22 all-terrain tires from Michelin or BFGoodrich. This upgrade delivers that same aggressive wheel presence and jacks up ground clearance for better clearance on the trail. Remember that a tiny bit of fender trimming is usually needed to keep the tires from rubbing, especially if you already have a lift kit. To complete the look, go for blacked-out rim finishes that echo the Stealth Performance package on the 2025 Platinum.
The install is pretty straightforward: the shop will mount and balance the tires, and you’ll need to recalibrate the speedometer with a tuner. Bigger tires can throw your speedo off by 5 to 10 percent, and the adjustment is a quick flash in the shop or with a handheld, too. You may see a slight drop in fuel economy on the highway, from around 17 to about 15 mpg. However, the trade-off is easier trail runs and an unmistakably confident stance on the road.
Upgrading your cloth seats to heated and cooled leather can elevate your ride’s comfort and style, turning a standard cabin into a near-Platinum-grade experience. Companies like Katzkin offer kits designed to completely replace front and rear seats while adding all the bells and whistles, including power adjustments, memory settings, and actual ventilation fans. Pick a rich leather shade like caramel or gloss black to mirror the opulence expected in the 2025 model. The installation might sound daunting—plan for 8 to 12 hours—since it involves stripping out the existing seats, running wiring for the heating and cooling systems, and connecting everything to your car’s electrical architecture. While a seasoned DIYer could tackle it, the risk to airbag wiring makes enlisting a certified upholsterer the safer choice. The finished seat not only cradles your body in luxury for hours on end but also visually upgrades the interior.
To outshine the 2025 Ford Platinum, fit your truck with elite audio and tech. Swap the OEM stereo for a premium aftermarket head unit, such as a Pioneer or Kenwood, packing a 14-inch 4K display with wireless Apple CarPlay and Android Auto compatibility. Pair that with a 360-degree camera kit for foolproof parking and a full audio build—amps, a dedicated subwoofer, and a set of component speakers—cranking up to 1,000 watts for studio-quality detail. Finish the cockpit with a wireless charging pad and customizable LED ambient Lighting. Trust a pro for the 4 to 8-hour install to dodge electrical headaches, and confirm that everything plays nice with Ford’s SYNC to keep native navigation and climate controls.
Keep your truck mint with rust proofing and a rock-solid finish. In salty areas, start with an undercoating like Fluid Film or POR-15 sprayed on the frame and underbody for a 3 to 5-year shield (reapply yearly). Phoning in a ceramic coating or paint protection film—ideally XPEL—locks in that high-gloss look while shrugging off scratches. Schedule the exterior upgrade for 2 to 4 days at a detail shop and tack on a full paint correction to erase swirl marks and maximize resale value.
Upgrading to LED lighting will give your ride a sharp, modern glow, keeping the look in line with the 2025 models with adaptive LEDs. Swap out the headlights, fog lights, taillights, and interior bulbs with Kiode Dynamics or Morimoto fokits for a brighter, whiter beam that can hit 6,000 lumens. You’ll get 50% more visibility at night and save energy simultaneously. Most kits are plug-and-play, taking about 2 to 4 hours to install, but remember that the headlights might need a quick aim afterward.
Applying ceramic window tint is another smart upgrade. A 20 to 35% tint on the sides and rear will block out 99% of UV rays and cut interior heat by 60%, giving you the same look as the Platinum’s privacy glass. Double-check your state’s rules—many don’t allow tint on the front windshield; then, have it professionally installed to avoid air bubbles. The job usually wraps up in a day or less.
To look at OEM-style flares, vents, and molding, Todd adds a rugged touch that mirrors the 2025’s black accents. Brands like Bushwacker or EGR offer fender flares that fit like factory parts, giving a wider stance without the custom hassle. Vents not only look good; they help with engine cooling. Choose chrome or black molding to shield the door edges. For that clean, factory-finish look, paint matching is a must. The install typically takes 4 to 6 hours, and some pieces may require drilling, putting the job in the hands of pros to avoid rust spots later.
Looking to modernize your ride? Here’s a quick list of popular mods to check out.
1. **2025 Grille Swap** – Swap in that sleek mesh face lift for $300-$500. It instantly brings your front end up to date.
2. **Cat-Back Exhaust**—You can get a Borla system for $800–$1,200. You’ll notice a throatier growl and a planned bump of 10-15 hp.
3. **ECU Tuner** –— SCT tuner cacosts500-$700. It wakes up the 3.5L EcoBoost and brings throttle response close to the 2025’s 440 hp tune.
4. **Upgraded Brakes** –—otted rotors and performance pads rucost600-$1,000. Safety is worth the investment, especially after a lift.
5. **Powered Running Boards** – Choose ease of entry for $1,000-$1,500. These boards slide out to help you up.
6.6. **Roof Rails**—Do you need extra storage? Roof rails cost $300- $500. They are versatile and can hold surfboards, bikes, or extra luggage.
7. **Trailer Brake Controller** – If you’ll tow, add a controller in the $200-$500 range.
Plan to phase in the mods over 2-4 weeks. Start by raising the truck and swapping the wheels, then upgrade the interior to gauge any changes to handling. Always use certified shops to keep any remaining warranties intact, and log every receipt and upgrade for future resale.
#### Cost Overview
As of September 2025, prices can shift by market, truck model, and quality, so your numbers may vary. Here’s a mid-range snapshot if you’re budgeting with DIY in mind, plus a labor avenue for when you lean on the pros.
A quality 3-inch lift kit, including your struts and spacers, costs about $1,350-$1,800. Installation and a front-end alignment cost another $500-$700, bringing the total to a balanced $1,850-$2,500.
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### Punching Up Your Ride: Cost Projections for a Full Upgrade
**Wheels and Tires**: A quad set of gorgeous 22-inch alloy wheels costs $1,800 to $2,200. Pair that with a set of beefy 35-inch rubber for $1,200 to $1,600, then tack on mounting and balancing for $200 to $300. The total? Roughly $3,200 to $4,100 out the door.
**Leather Seats**: Katzkin covers for all rows, heated and cooled, cost $1,500 to $2,500. Add 8 to 12 work hours at $500 to $1,000, and you’re cleared for a complete install, bringing the total kit to $2,000 to $3,500.
**Stereo and Cameras**: Snagging a premium head unit and amps costs between $1,200 and $1,800, and a multiple-camera setup costs between $300 and $500. Installation costs $300 to $500, totaling $1,800 to $2,800 for a crystal-clear, stereo-raging package.
**Rust Proof & Clear Coat**: Undercoating costs $400 to $700. A ceramic coat/platform protective film (PPF) does the trick for another $500 to $900, giving you exterior and underbody protection for $00 to $1,600.
- LED Lighting: A complete LED kit for both interior and exterior runs $450 to $800, with labor another $150 to $400.
- Full combo is $600 to $1,200.
- Window Tint: A ceramic film for the whole Dakota costs300 to $600, and that price already includes installation.
- Trim Add-Ons: Extras like side moldings, vents, and fenders cost around $500 to $800 for the parts, and $200 to $400 for paint and labor.
- Extra package will cost700 to $1,200.
- Bonus Mods:Upgrading to a new grille, performance exhaust, ceramic tuner, and upgraded brakes will cost another $2,500 to $4,000.
- Complete Projected Total: Count on $13,050 to $21,500 for the complete haul, and remember local tax (5 to 10 percent) isn’t rolled in.
- DIYers pay postage but labor costs, and brushing a sale or a bundle can slice 10 to 20 percent.
Resale After Upgrades: Your Truck’s Future Value
- A clean 2019 Expedition MAX XLT showing 60,000 to 80,000 miles will fetch around $19,000 to $24,000 in a private sale or $17,000 to $21,000 on a trade.
- After a solid, professional upgrade, you could push that number to $23,000 to $29,000.
- Upgrades like premium leather and dashboard tech usually recover about 50 to 70 percent of their cost since buyers love a model that arrives pre-loaded.
- On the flip side, the lift kit and oversized tires might narrow your audience to true gearheads, affecting overall desirability and cutting combined mpg down to 14 or 16.
- To support the asking price, save all receipts.
- You’ll probably get back only 40 to 60 percent of your total upgrade cost when selling.
To Upgrade or to Trade: Decide on Your Next Move
- Upgrading the truck you already own costs less cash right, usually $13,000 to $21,500, and lets you personalize while keeping a vehicle you already trust.
- It makes the most sense if you plan to keep the truck for another 5 to 7 years, because you’ll skip the stiff depreciation that saps 20 percent of a new car’s value in the first year.
- Remember that a 2025 model comes with a full factory warranty of 3 years or 36,000 miles (extendable), fresh safety gear like the latest version of BlueCruise hands-free driving, and a slightly leaner EcoBoost engine for better fuel economy.
- Trading in your 2019 Expedition might save you a bundle over the years.
- Right now, you could get $19,000-$22,000 for it, move that cash to a down payment, and roll into a new Platinum.
- You’d enjoy a full warranty, better resale down the road, and you can skip the hassle of aftermarket upgrades.
- After the trade, our bottom line could be $60,000-$70,000—no waiting for parts and installation, plus you won’t worry about mods affecting your fuel economy and reliability.
- The incoming 2025 will offer 16-18 mpg combined, so if a straight trade usually pencils out better, you care about fuel costs in the long haul, Tinker with aftermarket parts only if you truly live for the project.
- If not, enjoy the worry-free luxury of a new ride.
Costs and Financing for a Fully Loaded 2025 or 2026 Ford Expedition MAX Platinum
- Sticker on a 2025 Expedition MAX Platinum, fully loaded with the Platinum Ultimate package—high-output engine, full-tilt 24-inch wheels, adaptive air suspension, and the best audio in the business—will hit about $92,000-$94,000.
- With a little shopping, most buyers get it for $85,000-$90,000, for the 2026 models: Tack on a little more.
- Expect MSRP to nudge to $93,000-$95,000 base loaded, with discounts usually landing $86,000-$91,000.
- Don’t forget to add $1,500-$2,500 for destination fees, state sales tax (6-10% usually), and bells and whistles, like an extended warranty.
Auto Financing
- The auto financing picture as of September 2025 shows that your credit score, choice of lender, and active promotions will set your actual rate.
- Right now, the average loan rate for a shiny new car sits at 6.73% APR for borrowers with good credit, defined as a score of 700 or better.
- Borrowers with excellent numbers (750+) can often snag deals of about 4% to 5% APR, while those in the fair bracket (600 to 699) may face rates starting at 9% and could climb higher.
- Institutions like Bank of America and many credit unions sometimes advertise promotional rates in the 4.99% to 5.84% range.
- The most typical loan periods remain 60 to 72 months.
- However, 36 to 48-month loans spare you considerable interest at the cost of higher monthly payments.
- Let’s break down the numbers for a typical high-end purchase.
- Take a loaded 2025 model priced at $94,000, which means a 10% down payment of $9,400, leaving $84,600 to finance.
The table below shows payments for 60 and 72 months as the APR changes:
- 5.0% APR: 60 months: about $1,597
- 72 months: about $1,363.
- 6.5% APR: 60 months: about $1,656
- 72 months: about $1,423.
- 10.0% APR: 60 months: about $1,800
- 72 months: about $1,570.
Now tweak the purchase to a $95,000 2026 model, again with a 10% down of $9,500, financing $85,500:
- 5.0% APR: 60 months: about $1,613
- 72 months: about $1,377.
- 6.5% APR: 60 months: about $1,673
- 72 months: about $1,438.
- 10.0% APR: 60 months: about $1,818
- 72 months: about $1,586.
Deciding on the best financing venue, examining your monthly budget, and shopping for rate offers now could result in substantial savings.
The estimates here assume no extra fees, but don’t be surprised if taxes and insurance add another $50 to $100 a month. Always compare rates—credit unions usually offer better deals than banks, and sometimes Ford has special incentives to cut the rate by half a percent to a full percent. A longer loan lowers the monthly payment, but the total interest can jump. For example, a 72-month loan at 6.5% may cost $5,000 more than a 60-month term. Don’t forget insurance, which could run $150 to $250 monthly, plus fuel expenses. At $3.50 a gallon, expect to spend $200 to $300 a month just on gas. If interest rates climb, leasing may be an option to consider. A 36-month lease could cost $1,000 to $1,200 monthly with $5,000 down at signing.