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Old 05-03-2015, 08:28 PM   #31
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Quote:
Originally Posted by kevin View Post
okay thanks donna I appreciate it but how many payments are send to eti When I brought the casita its a despot and the finial payment. I have my build sheet in mind and will request a quote based on that and will make no changes. When I receive the quote from eti I will give them the upfront money and then I assume I would pay the balance upon delivery based on the quote that was presented at the time of entering the contract. We are each gambling on the exchange rate so it seems logical to me but I am not a bright guy so maybe I am missing something?
You may find there are as many different ways folks paid for their trailers as there are members here on the forum. I wrote the big fat check when I took my build sheet (and product) to ETI mid-April. When I picked up Ten Forward on July 3rd, I wrote the balance. I think it was around $200. And that was mostly for all the product I was buying.. off the wall, like the wrap around rug for the step.


I think you should call ETI and discuss. I know you can't just write a personal check for 99.9% of it and take possession the same day. Maybe you can with a bank-to-bank wire transfer tho... and all though the dollar amount you pay won't change... the exchange rate may/will and THAT affects how much you pay in the end in US funds.
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Old 05-03-2015, 08:35 PM   #32
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Just remember Kevin, the prices on the website are in Canadian dollars, these need to be converted to American dollars. For example, if a trailer with options comes in at $30,000 canadian, that means you will pay about $25,000 US. That is what you need to tell the lender. Then they will want to lend you about 80% or $20,000 and you will need to come up with the balance of $5,000. You then send the entire $25,000 to Escape and the trailer is bought and paid for, you just wait for it to be built.
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Old 05-03-2015, 08:37 PM   #33
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thanks for your replies

okay floating cloud I will likely pay it upfront based on loan rates being low now and it will likely even out with the exchange rate. I will w hold back 2k to ensure everything is okay on delivery Strange to being paying on depreciated asset before you get it but it is what it is Again thanks to all that posted. Man I was no concerned about major purchases until I hit 55 old age and being wiser is overrated.


Karen H, I would agree with you. Working in the business I am, insurance and investing in real estate, its makes no sense to me either but numerous inquiries in a short period of time can mean a drop in credit score. Even some rental propties that I tried to buy I was turned by my insurance carrier because the loss runs on the property showed excessive claims in short period of time therefore they could not insure the property. I tell my daughter all the time your credit score means more than the score, insurance rates are based on that. I am no expert on this but I have seen this first hand with dealing with tenants running credit scores. I base a rental based on credit score I hear every day as I own rental property in nj where rentals are hard to come by. I hear each day people tell me they have been looking for place for a month and they know credit score is part of the process and they know there score is effected with each application. They ask I take in consideration. We are looking at maybe a 5 point or 10 point drop so 99 percent of the time it never comes in play. Anyway, that's whats been told me so I assume it must be right
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Old 05-03-2015, 08:50 PM   #34
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Yes, numerous inquiries and the question is what is numerous. Apparently, it is because they believe you are going from lender to lender being turned down because something is not good about your application. I don't think a little shopping among some lenders should cause that problem, but no telling.
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Old 05-03-2015, 08:53 PM   #35
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Ah, I get it! But it doesn't seem right.
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Old 05-03-2015, 09:46 PM   #36
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Quote:
Originally Posted by Floating Cloud View Post
Don't know if you can include in a loan what you buy to send them such as flooring, fabric, and many other items that are often supplied by the owners.

You can, for the installation charges. They're on the bill of sale.
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