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Old 02-21-2013, 07:46 PM   #11
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No, I'm in South Louisiana, also in the military.
Oh... Alright, saw your profile pic so I thought maybe... Just curious.. What branch?
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Old 02-21-2013, 07:46 PM   #12
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Army National Guard - Active Duty
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Old 02-21-2013, 07:50 PM   #13
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Army National Guard - Active Duty
Oh alright... I'm navy, I was just wondering cause I have a detachment in Louisiana and though the chances were slim I thought just maybe.. Heh, alright well thanks for the info and ill be sure to post up if I have any more questions or confusions..
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Old 02-22-2013, 03:14 PM   #14
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Since you are in Texas, the largest used RV dealer in the country is in Houston, PPL, you will find it on the internet. They have so many RV of all types you will find something that you like. Good Luck
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Old 02-22-2013, 05:50 PM   #15
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Since you are in Texas, the largest used RV dealer in the country is in Houston, PPL, you will find it on the internet. They have so many RV of all types you will find something that you like. Good Luck
Well Houston is 4 hours away.. But ill look around on the net at what they have and ill make the drive if I have to... Thanks for the info!
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Old 02-23-2013, 12:27 AM   #16
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If you own a home, you can claim the interest on the RV on your taxes as a second home. We have a 2011, we bought new. That extra interest really helps out come tax time. Good luck finding what you want!!!
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Old 02-23-2013, 08:48 AM   #17
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If you own a home, you can claim the interest on the RV on your taxes as a second home. We have a 2011, we bought new. That extra interest really helps out come tax time. Good luck finding what you want!!!
Most states this only applies if you own a Motorhome, not TT or Fifth Wheels?
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Old 02-23-2013, 10:25 PM   #18
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Originally Posted by Ragin Cajun

Most states this only applies if you own a Motorhome, not TT or Fifth Wheels?
I am by no means a tax expert and states might have varying laws, however the interest on a TT or fifth wheel can be deductible on Federal income taxes if the requirements for home (or second home) mortgages are met. These requirements can be found in publication 936 on the IRS website. Below is a snippet from this publication.

"For you to take a home mortgage interest deduction, your debt must be secured by a qualified home. This means your main home or your second home. A home includes a house, condominium, cooperative, mobile home, house trailer, boat, or similar property that has sleeping, cooking, and toilet facilities."

The other tricky element is that most banks do not deliver a 1098 for an RV loan however there is an option to say that you did not receive a 1098 for the interest you are claiming (I believe this is part of the Schedule A).

It is always best to consult a tax advisor or tax professional if you are unsure if you can claim the interest or not.
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Old 02-28-2013, 01:10 PM   #19
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Thanks... Another question.. How is financing done on a camper.. Is it like a mortgage loan or like a auto loan? Or is there like a special rec vehicle type of loan.. ? Always wondered that ...
If you purchase the camper thru a business, they usually have connections with lending institutions & can take care of it for you. The down side is that you can usually find a lower interest rate if you have a good credit score & are willing to take the time to shop around locally & online. I have also heard that many lenders are no longer financing units for full time use so you may want to wait on deciding if you will live in it full time. You might also check with places like PenFed, etc. that try to help military members. Good Luck!
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Old 03-02-2013, 12:15 PM   #20
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Alright thanks for the info
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