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I also dont have any debt except for the mortgage and wifes camry.

Illinois

And approved through alliant 105% LTV 2.24% 72 months this morning, high credit score 810+, low debt. Now I have to convince the wife about a full paint protection wrap @$8200.00, country financial quoted $800/year for insurance with 500 deductible which was also below what it was in may before...

I believe they did not offer it for about a month, it's available now, I applied last night, wasn't an option when I ordered in July.