I just refi-ed with essex, via Good Sam, no problem on 2011 360, and yes like most all I am little upside down as depreciation is rapid on motorhome. Not bragging, simple fact, both our credit scores are over 800 and there was no issue. My original loan was with Bank of the West, which owns Essex, do not know if it made a difference or not.
Logic will carry you from point A to point B. Imagination will carry you everywhere. "Albert Einstein". 2011 Georgetown 360, Bride of 45yrs, and 2014 Chev Equinox toad, what more could you ask for.