The same lender. A very different road.
About half of what Shana White finances has wheels rather than a hull. Same OceanPoint Funding application, same secure portal, same person on the other end of the phone.
An older coach. High miles. Still a deal.
The age of the coach, the mileage on it, a credit history with something on it, no income documents — 20 banks give her a way around each of them.
- Any age RVNo age cap on the coach. The age of the RV is not what decides whether she can place it.
- Full-timersFinancing for full-time RV living, not just for a weekend rig kept on a driveway.
- Mileage is not the obstacleShe has banks that are not concerned with the mileage on the coach.
- Lower credit scoresThe same panel depth applies here. A score that stopped an application elsewhere is worth a phone call.
- As little as zero downLow- and no-down-payment structures are available, depending on the RV and the bank it goes to.
- Non-income-verification loansSeveral of her banks will write without income verification here too.
All financing is subject to credit approval. Which of these applies depends on the 20-bank panel and on the deal in front of her — which is what the first conversation establishes.
Plenty of lenders do RVs as an afterthought.
Marine and RV lending are genuinely different businesses, and most people are honest about only doing one of them well. Shana does both every week, which is why neither one is the one she squeezes in.
Half the book, not a sideline
Roughly half of what Shana writes is RV business. It is the same week's work as the marine side, not something she takes on when a boat deal falls through.
Wherever you are buying
She lends nationwide from Norfolk / Virginia Beach, so the dealer being three states away is not the complication it sounds like.
Its own secure application
RVs get their own link into OceanPoint's portal — same secure site, tagged to Shana, and nothing financial is ever collected on this page.
Four things worth having in front of you.
The first conversation is short and it is always the same four questions. Having the answers to hand is most of what makes it useful.
- What the RV isYear, make and model, and whether it is a motorhome or a towable.
- What it costsThe asking price, and anything already agreed with the dealer or seller.
- Where it isThe state it is sitting in, and who is selling it.
- When you want to collect itDelivery dates have a way of arriving sooner than paperwork does.
Already insured? Get a second quote anyway.
Shana White is also an insurance agent with Global Marine, so the coverage can be arranged by the same person arranging the loan. Ask her for a quote — it costs nothing to compare.
You found it. Let’s get it financed.
Pick the application that matches what you are buying. Both open OceanPoint’s secure portal, and both arrive tagged to Shana.
Applications are taken on OceanPoint Funding’s secure site, not on this one — this page never asks for your financial details. All financing is subject to credit approval.