I made a loan on my new RV while I lived on the beach in Mexico. My credit was good and my ability to pay was good.
Dealers must have taken it in the shorts lately and wanting to have your house as backup in case you default.
To hell with the dealer, go to the bank or credit union and get your loan.
2013 Voltage 3800, 2012 Chevy 3500 HD
2010 Yamaha V Star 950
2009 Yamaha Raider
Volunteering with Habitat for Humanity Caravanners