Southeast Financial

Why Finance With Southeast

 
   Buyers have choices when it comes to paying for their purchase, and financing is both an affordable and sensible option. But it's just as important to know where to go for a recreational loan. Southeast Financial is a lending specialists who understands the recreational lending business. Southeast Financial -- offers competitive financing simply because we have found lender's who have made recreational loans an important part of their business.

30th Annual Quartzsite RV Show Draws a Crowd | RV Business

Its almost RV season if you are looking for a new RV this is a great article to ready.  

30th Annual Quartzsite RV Show Draws a Crowd | RV Business.

What Is A Recreational Vehicle?

What is a Recreation Vehicle (RV)?

    Southeast Financial finances recreatonal vehicles so some of you may ask what exactly is a recreational vehicle?  We decided to go to a great source which is rvia.org and this is how their website defines a recrational vehicle.  

"A motorized or towable vehicle that combines transportation and temporary living quarters for travel, recreation and camping. RVs do not include mobile homes, off-road vehicles, snowmobiles or conversion vehicles. RVs are sold by recreation vehicle dealers."  this is a great explanation.  It talks about what Southeast Finances they specialize in Horse Trailer Loans both living quarter and non living quarter, boat loans, motor homes, travel trailers, fifth wheels, boats, and motorcycles.  

A travel trailer does not have a motor and it is pulled behind your vehicle.  It is smaller so you can pull it with your truck or your SUV.

A fifth wheel must be pulled with a truck because the hitch is in the bed of the truck.  The master bedroom is actually over the truck bed.  These are larger than travel trailers.

 Motorhomes comes in 3 main classes which are Class A motorhomes, Class B motorhomes and Class C motorhomes.  

Class A motorhomes are the largest motorhomes and usually the nicest.  These are motarized motorhomes.  These are good for long vacations or short trips.  

Class B motorhomes looks like a van but its roof is raised up more and has more headroom than a van.  These are self contained though they usually have a sink, fridge, hot water, air conditioner etc...

Class C motorhomes are similar to class A motorhomes but on a much smaller scale and they do not cost as much as a Class A motorhome.  

A horse trailer is a trailer used to transport horses.   Southeast finances these with or without living quarters.  According to Wikipedia "There are many different designs, ranging in size from small units capable of holding two or three horses, able to be pulled by a pickup truck or even a SUV; to gooseneck designs that carry six to eight horses, usually pulled by 1-ton dually-style pickups; to large semi-trailers that can haul a significant number of animals."

A boat according to Google is" A small vessel propelled on water by oars, sails, or an engine."

A motorcycle according to Google is "A two-wheeled vehicle that is powered by a motor and has no pedals"

 

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Vietnam vet trains horses to help soldiers with PTSD

 

ELIZABETH, CO (KUSA/NBC) - A Vietnam veteran is training horses to help other veterans deal with post traumatic stress disorder, or PTSD.

John Nash grew up on a farm in North Minnesota where he trained them the old fashioned way: He broke them.

"We broke their spirit. That's where the phrase breaking a horse comes from, from breaking their spirit," Nash said.

Life and war would eventually lead Nash from his farm in Minnesota to the jungles of Vietnam.

A Specialist 5th Class with the 1st Cavalry, Nash volunteered to serve in the U.S. Army.

He did a one year deployment in Vietnam. During that year, he lived the realities of war.

The 19-year-old soldier, who grew up breaking horses, in the end, had the same thing done to him - by war.

Nash was haunted by what he had experienced in Vietnam, but worst of all for him was living with one question.

Why had he survived when so many of his friends had not?

"Was I broken? Yeah, I was broken bad," Nash said. "I was broken to the point of total hopelessness."

The hopelessness manifested itself in the form of PTSD.

In 1967, little was known about PTSD and even less was offered in the form of treatment.

John Nash and other veterans were left to deal with the demons on their own.

"Day after day after day it was the same thing, self medicate, go through all the misery and the flashbacks and the nightmares and the depression and anxiety and all the other issues, the anger and the rage," Nash said.

With his life in a downward spiral and thoughts of ending that life, maybe it was fate that brought to his life a horse named Rain.

"I wouldn't be here without that horse," Nash said.

Nash purchased Rain at an auction as a gift for his wife.

The horse had come from a ranch in Kansas where, just like Nash, it had been broken.

"She had been mistreated. She was traumatized," Nash said. "Maybe that is why we became good friends. She had gone through some pretty traumatic stuff and so have I."

Unable to cope with the PTSD Nash remembers a turning point in his life.

Late one night he came home after a hard night of drinking and passed out in the barn.

"That horse would nose me and kind of shake me a little bit and woke me up," Nash said. "She was actually protecting me so I didn't do something stupid like commit suicide or something. That horse literally saved my life."

Rain not only saved John Nash's life, it gave him a reason to live.

Nash found a peace when working with the horse that had been taken from him in Vietnam.

"He went to that horse and that horse seemed to give him comfort that he couldn't get anywhere else," said Jackie Nash, John's wife.

The gentleness Rain showed to John Nash changed him.

He began again to work with horses, but instead of breaking them he trained them with the same gentle touch that Rain had shown him.

"It is trust the horse a little bit and the horse says, 'OK I guess I'm going to trust you a little bit,'" Nash said.

It was then that Nash realized the gentling, calm and peace he had found in horses could help other veterans dealing with PTSD.

In 2008 he created a nonprofit program, Combat Veterans Cowboy Up that offers equine assisted psychotherapy to veterans.

"I came out and instantly had a mutual respect with John Nash because he's a veteran. He is one of us and he's been through it and he's got the biggest heart," said Billy Speer, a Navy veteran who did two tours of duty in Iraq.

Speer worked as part of a bomb squad investigating and diffusing road side bombs.

"We were in the kill zone a lot," Speer said. "It is a tough job. It is one of the most strenuous jobs."

While Speer and Nash served in conflicts separated by more than five decades, both share the invisible scars of war.

"The traumas are the same even though we're different generations, we're different wars, and we're different countries. It is all the same. War is the same no matter where it is," Nash said.

And Billy Speer and other veterans with PTSD who have participated in Combat Veterans Cowboy Up have experienced the same positive results John Nash saw.

Each week groups of servicemen and women meet at Nash's ranch east of Elizabeth to participate in therapy sessions.

Speer says you can see the change the program has on the participants.

"You see these people come here, just complete ghosts, shadows of themselves and within weeks they're just filled with so much strength," Speer said.

Combat Veterans Cowboy Up offers the equine assisted psychotherapy sessions for veterans with PTSD free of charge.

The program is completely funded through donations.

Nash hopes to one day expand the program and offer it to veterans throughout this country.

Copyright 2012 KUSA via NBC. All rights reserved.

Equine assisted psychotherapy has been shown to help veterans deal with PTSD. (Source: KUSA/NBC).

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Cattle Herding In Hawaii

DRIVING CATTLE THROUGH DRIVING RAIN IN HAWAII

 

I found this article by Dahana Ranch  and wanted to share it....

Preparing the horses, a little 'helper' looks on

“The horses are not pets. They are workers. Do not let the horses eat; they have all day to eat. Now they are supposed to be working, they are on my time now.” This is the first thing I hear from the good looking young man dressed in levis, leather chaps with fringe, cowboy boots (with spurs), and a big rain slicker. The only thing missing is a cowboy hat, but this young paniolo opts for a baseball hat; giving this Hawaiian cowboy a modern twist.

I hear this speech from Pa’akaula while I’m perched on top of one of those referred to ‘work horses’. A wave of seriousness comes over me, as my mind switches from ‘I’m a tourist’ mode to ‘I have a job to do’ mode. I’m about to participate in my first cattle herding experience…err…job.

Strangely I’m not in Texas, Wyoming, or Colorado; I’m in Hawaii.

Prepping the work horses

The rain is pouring down, and the wind is whipping around me. The skies are filled with gray low hanging clouds hiding the beautiful pasture views from me. I think about other tourists out on the beach on the sunny side of the Big Island, but I just had to be different. Now I’m on top of a horse named Red, slightly exhilarated and slightly nervous. I can hardly believe that a beginner rider like myself is about to embark on a cattle drive with absolutely no tourist fluff to it.

But this is where I like to be, on the edge; the edge of excitement, nervousness, and newness.

Going to 'work' in the elements

“The horse’s job is to do nothing. Your job is to make it do something. These horses are not trail horses; they will not follow each other. In fact, I don’t want you to follow each other, you need to be comfortable splitting up, “ says Pa’akaula. I continue to listen to the lecture and I can feel my adrenaline rise. Pa’akaula comes over to my horse to tighten some parts of the saddle and he begins to give me my ‘driving’ instructions. He tells me how to get the horse to move forward, backward, turn left and turn right. He tells me how to stop the horse and make it stand still or stop the horse and make it back up. He instructs me to keep my heels down but keep pressure on my toes and to hold the reins as if I’m holding a bottle. I feel like I’m 16 again learning how to drive a car for the first time; it all sort of makes sense, but it’s nerve-wracking.

To top it off, the rain is blowing sideways now. This isn’t the beautiful day I was hoping for when I signed up for this cattle drive. Instead I am cold and getting more and more soaked by the second. However, somehow the horrible weather makes the whole experience seem even that much more authentic. We aren’t out here for fun; we are out here to get a job done.

Pa'akaula getting the horses ready for work

Pa’akaula tells us to walk our horses down the muddy drive until we get to the fence line, then stop and wait. He wants to see if we can successfully instruct our horses to do this simple task. I give Red two quick hard kicks with my heels and he slowly takes a few steps forward. Soon he is walking and as I continue to tap him with my heals occasionally.

At the fence line we all stop successfully. Mission accomplished! We are now given our next set of instructions. Lead our horse to the patch of trees over the hill in the distance. There is a slight pause and then Pa’akaula firmly instructs us to not follow each other. “You all have to take a different route to get to the patch of trees,” he says.

Now this is a bit more challenging, but my mind races with excitement. I pull the reins to the left and kick Red with my right heel in the hope that this will make him turn left. He stands there and doesn’t move. I think to myself, wait a minute, am I supposed to kick with my left or my right foot? My mind is second-guessing myself. Out of futility I decide to try again, this time Red turns and starts walking to the left. Success!

I walk Red towards the patch of trees and watch my cowboy peers do the same, the three of us are all spread out as instructed. I feel free, I feel in control. I never in my life have had real control of a horse; directing it solely by my desire. I’ve done trail rides before, but there was little decision really left to the rider, the horse was in control. However now it is I who is in control. I decide to turn, I don’t take the most efficient route, and I choose to stop – just because I want to. It feels amazing.

We continue to practice this horse control for the next 40 minutes; trying to teach the horse that we are the boss. The rain also continues, harder and harder. I can feel my jeans are already soaked underneath my rain slicker. The rain is dripping off the brim of my hat as well as my nose. I feel real. I feel like a paniolo; a Hawaiian cowboy.

Pa’akaula tells us to scan for cattle, we now need to get an idea of where the cattle are so we can round them up. We walk the horses around the vast fence line scanning for cattle. However, truth be told, I don’t think I am looking for cattle as I am still struggling with becoming the master of Red. Red does the turns I instruct him to, but not quite with the precision I would like and the perfectionist in me wants to get it right.

Our pawns...we must move them wisely

We spot the cattle all grazing in the same general area; there are about 35 of them. However off to the left I see black animals running the opposite direction of the herd and wonder if I should be pointing these ‘runaways’ out. However Pa’akaula reads my mind and quickly points out that those aren’t cattle, they are wild bore.

Pa’akaula motions for us to gather up near the rest of the cattle; it is time to get down to work. The wind is whistling, the sky is dark and the cows look as if they really don’t want to move. He gives us a little advice about how to use the fence line to keep the cattle ‘pinned’ in. He also suggests to be vocal in order to get the cattle to move. Pa’akaula looks at us each slowly and says, “Ok – this is your adventure, good luck!” and walks away on his horse. The perfectionist in me panics and wonders if he is leaving us! The three of us look at each other and swiftly make a game plan as there’s no time to waste in this uncomfortable weather. My fellow tourist herders bolster my confidence. We spread out as we have been doing all morning and go along the perimeter of the herd of cattle. Pa’akaula is watching from a perimeter spot ready to step in and chase any ‘runaways’.

“Ya” I meagerly say, and walk towards the cattle in my area. Meager isn’t going to cut it. “Ya! Ya!” I yell. The cattle take notice and begin to walk in front of me. I smile to myself and think, “I just made cows move. “ I’m amused by the thought and strangely proud.

Red and I use the fenceline to herd the cattle in

The rain continues to pour down on us, but we are moving the cattle, slowly to the pen. I belt out more “Ya! Ya!” vigorously as I go up and down steep, narrow, muddy sections of the pasture. I am amazed that a beginner like myself it tackling this terrain, but there’s no time to dwell on it; I have confidence now in the ability of my sure-footed horse. I hold on as if I’m riding a mountain bike leaning into the hills and back on the downhill. All the while my eyes are on the cattle. I can see us all converging on our end destination. Pa’akaula opens the gate and the cattle instinctively enter.

He closes the gate to the muddy pen signaling that our work is done. The three of us let out a sigh of relief and nod to each other in the rain; signaling a job well done. Today none us of feel like tourists, we feel like paniolos.

The cattle are in the pen! Our work is done!

The Good:

• Beginners can participate in the cattle drive
• The website description was accurate – there was no fluff!
• The instruction by the Ranch was good and even though we were separated in distance, they kept an eye on you.
• Provided rain slickers!

The Could Be Better:

• The weather could have been better! That’s honestly all I could come up with!
• They don’t always run the tour as they need enough people to do it. Check with them to see if they have a cattle herding experience available when you are there.

Would I recommend it:

Absolutely! This was one of my favorite things I did on the Big Island. I had always had a dream to herd cattle for some reason, and this was a great way to get a taste of it in a very unexpected place. There are many places that offer trail rides on the Big Island, but Dahana is the only one who offers the cattle herding experience. I was skeptical at first thinking it might be watered down for tourists – but I honestly felt like I was a part of the real thing. It was a lot of time on the horses, but the time went fast – even in the rain!

Website: Dahana Ranch 
P.O. Box 1293 • Kamuela, HI 96743 • toll free: (888) 399-0057 • p (808) 885-0057 • f (808) 885-7833 • [email protected]

Disclosure: Dahana Ranch hosted my Cattle Drive experience. However, all of the opinions expressed here are my own – as you know how I love to speak my mind!

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Where to buy RV Accessories for Coleman Campers

Where To Buy Coleman Camper Accessories

Whether you’re looking for camping supplies, motor homes or pop up trailers, or mechanical accessories to travel trailers, such as rv awning light sets, there are plenty of resources that can offer you accessories for a price – a high price or possibly a low price.  If you are shopping at retail stores like Target or Sears, then expect to pay top dollar.  Have you ever thought about shopping at an RV store or RV dealership?  While camping supplies might be priced intermediately, unless you meet a very friendly dealer (or know somebody) the RV store will probably charge you the full price for any RV part you need.  It’s convenient to buy merchandise with an RV vendor, so of course you will be paying extra for that convenience. 

Used and new RV parts and other camper accessories can be found on the Internet, from online vendors who discount prices from the RV stores (since they do not worry about overhead costs for a rented or leased location) as well as wholesalers who offer prices just slightly above manufacturing costs.  Some popular wholesalers online include RV Wholesalers, DTI Parts, and BR Wholesale RV and Marine.  These vendors are ideal for ordering parts, whereas camping supplies from The Sportsman’s Guide.  RV Toy Outlet is a good site for recreational gadgets to accompany your travel, like GPS units, lights and cameras.  If you have a dealer’s license then you can check out www.WholesaleCentral.com  for the best prices dealer to dealer. 

Used parts and supplies are another option that’s not as shaky as it sounds, provided you thoroughly inspect the used part and make sure it is in good working condition.  Trailer parts and camper parts are available from auction sites like Ebay Motors, as well as classified ads in your newspaper and from RV Trader on line.  On Ebay, you can find parts, patch kits, replacement fabric, hangers and clamps for travel trailer awnings.

While there are plenty of sources for camping supplies, only a careful search and comparison between many vendors will give you the best bargain on Coleman camper accessories.

  Article By Adam O’Connor, www.RVTravelPro.com

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rv loan process once approved

rv loan process once approved

Once I am approved for the rv loan, what documents do you require to finalize the loan?

. Upon approval, we will require

• title (copy of front and back )

• seller contact Information (name, address, phone #)
• lien pay-off (as applicable)
• copy of all applicants’ driver's license
• proof of full coverage insurance with a minimum of $500 deductible
• other documents from Southeast Financial
• proof appropriate lien holder information will be recorded 

Another question we get asked alot is 

How lengthy of a term can I get a rv loan for?

A. The terms will differ dependent upon the unit selected, amount you request to finance and credit profile. Typically on a RV, financing above $25,000.00 you can receive up to a 180 month term (15 years) in some cases extended terms maybe available. If you financing rv over $10,000.00 you can receive up to a 120 month term (10 years) and in some cases extended terms maybe available.

How much down payment is required?

A. With the fluctuations in today's economy and market, more times than not the lenders are demanding a minimum of 10% down on new units, but with excellent credit there are some no-money down programs available. 

Types of RV’s:

Travel Trailers

Heavier units with rigid sides designed to be towed by most vehicles by means of a bumper or frame hitch.

Fifth Wheel Travel Trailers

Designed to be towed by a pickup truck equipped with a special hitch in the truck bed.

Campers

Campers of all types, excluding folding or "pop-up" camper trailers with sides that collapse for towing and storage.

Motorhomes

 

 

financing rv advice and tips online

Finance RV Advices

Don’t “over” shop your credit at too many places.

Don’t fill out requests at several business organizations and have all of them scrutiny into your credit history. Doing so can make you look distressed and lower your credit score—particularly if you yield to requests to 10 or 20+ institutions.

Note that Southeast Financial runs your credit report but with our 14 years of experience, we are well-informed in make sure that only the best few bank option(s) are communicated which make certain that your credit score will not be harmfully impacted.

Make sure that you have a reasonable debt to income ratio.

Your debt to income ratio (DTI) is a crucial gauge of your true monetary picture, and it is absolutely the lending industry's amount of fiscal health. Your debt to income (usually household) ratio is intended by dividing monthly minimum debt payments (excluding mortgage or rent, utilities, food, entertainment) by monthly gross income. For example, someone with a gross monthly income of $4000 who is making minimum payments of $1600 on debt (loans and credit cards) has a debt to income ratio of 40% ($1600 /$4000 = .40). If your debt ratio is typically under 40% you’re usually in good shape with most lenders (whose formulas vary). Some lenders will include your home mortgage but raise the acceptable ratios, and others do not. While variations will result in different percentage outcomes, the overall concept is the same: a debt to income ratio compares debt load to income.

Be able to put at least 10% down on your purchase.

This is not a requirement at Southeast Financial but it does help. 

Almost all banks that finance RV and trailers require at least a 10% down, and very few do 100% financing. It’s almost an immediate red flag in getting a reasonable loan—or any type of loan--if you cannot pay at least 10% down on the purchase price. And watch out for credit rip-offs that deferred payments—you’ll end up paying a LOT more for such rv loans.

More questions about finding the best loan for the motor home, RV loan , camper, horse trailer loan, boat financing or motorcycle that you want to buy?

 

 

RV loan Calculator How Important They Are

RV Financing Calculator - Let It Help You In Your New Recreational Purchase!
What Is an Recreational Financing Calculator?
An Recreational financing calculator is a tool that helps you, the Recreational buyer, determine what payments are interest rates fit well with your budget . The loan calculator is easy to use , and is the most best tool a Recreational buyer can use on his/her own as a consumer. An rv loan calculator can help you no matter what type, style, or make of recreational vehicle you are thinking about buying - Class A, Class B, Class C, travel trailers, toy haulers, horse trailers, fifth wheels,motorcycles.

It's Free And Easy Why Not Use It!
Most of the time, you will be able to find a Recreational financing calculator on the internet for no charge. By looking at Recreational dealer websites, or other recreational vehicle financing sites, you will find the Recreational financing calculator there for you to use. The Recreational financing calculator is there to help you in determining your budget limits. You will enter different interest rates, down payment options, and desired monthly payments into the Recreational financing calculator to see what matches your budget's needs. The Recreational financing calculator is a awesome on-line tool to use, especially since buying a Recreational unit can seem to be an overwhelming experience. This helpful tool will keep you looking at Recreational units, choosing options, and working with a loan officer that are all well within your budget. The Recreational financing calculator will ensure your monthly payments are real and within your pocketbook.

You will need to know the loan amount you are requesting.
What are the interest rates you are being offered or are seeing on the internet for Recreational sales?
What is your desired monthly payment?
What is the dollar amount, if any, that you can put down on the recreational vehicle as a down payment?
Do you want to purchase Recreational insurance, a warranty, or extended Recreational warranty on your new or used motor home?
Does the state/city where you live/where the Recreational will reside/ where you are buying the Recreational have any mandatory taxes, such as sales tax?
Where Do I Find This Instrument And When Do I Use It?
The recreational vehicle financing calculator can be found on-line at websites that refer to motor home or RV financing, as well as RV dealership websites. The form will vary from site to site, but you should use the tool BEFORE going in to purchase or refinance an RV. This gives you, the buyer, advantages. You have definite numbers that are accurate in your head regarding your new or used RV purchase. You can tell this to the loan officer and/or dealer, which gives you a strong communication level and make the purchasing process efficient.

RV

Cure for Leveling Jack Woes: Many motorhome owners have had to cope with intermittent failure of a pesky leveling jack to completely retract. Usually the result is the triggering of threatening alarms warning the vehicle is not safe to drive. This is great when the driver has truly forgotten to retract the levelers; but when one fails to retract by a fraction of an inch or more, its a nuisance to have to fix. We've found that a product called "Dri-Slide", primarily sold as a bicycle lubricant, has been a great product to use on leveling jacks. It does not attract dirt/dust, and the jacks retract much more quickly than before. Thanks to David Eidell for the tip... Factory Direct Sales: We've recently added NeXus RV to our list of manufacturers. This new maker of Class C and B+ motorhomes has opted to sell "factory direct", and has set up a nationwide chain of affiliated service centers. It's an interesting business model that does not depend on the traditional manufacturer/dealer paradigm. County Parks -- Missed Opportunities: We've long wondered why so precious few county and local governments, port authorities, etc. with idle real estate don't have a closer look at the potential for RV park development. There are of course a few stunning success models -- but what's really stunning is the lack of any vision or motivation by other local governments to tap into an excellent economic opportunity. Rule, Rules, & More Rules: Most of us who have been RVing for a long time have "seen it all" when it comes to RV park "Rules". Sometimes they're tastefully done. But too often they reflect very poorly on the park. We've just posted some views on that for the benefit of our RV Park Owner readers. RV Window Failures: Far too many RVers have found it necessary to deal with the issue of fail dual pane glass. Typically these are side windows that are unsightly and almost unuseable because they either have become "foggy", or the seal has failed and begun coursing in random paths through the interior of the glass. In some cases their may be a safety hazard. We examine this issue in our latest article.Roadside Assistance: Something RVers need both for their RV and for their personal vehicles... We recently took a second look at AAA coverage, and found the towing distance is limited to 5 miles unless one opts for the premium package. Yet our auto insurance coverage can be extended to provide essentially the same (in some respects better) coverage for $1/per month per vehicle. And our RV insurance coverage can include roadside assistance for $25 per year. These are worth considering...

we found this article on http://www.rversonline.org/RVBB.html and thought you would like it 

How to Finance a rv

How to Finance a rv.
If you want to buy a rv, horse trailer, boat or motorcycle, you may have to finance your purchase with an RV (recreational vehicle) loan. These loans often have different rules from other loans. Southeast Financial req...

uires you to take out a minimum loan of $7,500 or $10,000 for boats and motorcycles, the lending requirements will be different than cars and homes due to the fact that they are categorized as luxury items. Despite these differences, financing a rv with an RV loan does not have to be stressful. Call 866-900-8949 for more information.

www.southefinancial.com