Finding Your Home on Wheels

Fund the Motor Home of Your Dreams.

There are many ways to finance a motor home, including through your local bank or a financial institution your RV dealer recommends. Due to the small number of delinquent RV loans, lenders are usually very willing to finance RVs.

The Recreation Vehicle Industry Association (RVIA) reports that typical RV loans range from 10 to 15 years, with down payments ranging from less than 10% to about 20%.

Tax Implications. In most cases, the interest on a motor home loan qualifies as a second-home tax deduction. Consult your tax advisor for ­information about deductions.

Insurance. Most motor home policies are a hybrid of a homeowner’s and vehicle owner’s insurance policy—they include liability, comprehensive and collision coverage, as well as coverage for the contents of your motor home and more.

Check with your agent, ask your dealer for more information or look into plans available through our Winnebago-Itasca Travelers Club.

For additional information about deducting ­recreation vehicle loan interest, contact the IRS at 1-800-829-3676 or go to www.irs.gov to request these free IRS booklets: Publication 936—Home Mortgage Interest Deduction and Publication 523—Selling Your Home.

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