Everyone was incredibly prompt in responding to me and that was great. I did feel as though there was a lot of back and forth with negotiating down the loan numbers etc. I felt that this was a bit like buying a used car. Also, when I asked about reducing the car at closing because my insurance and taxes had already been paid for the next year, I was told that it can't be reduced because VU needed to pay it and then I would be reimbursed from the carrier. Eventually, my cash at closing was reduced and I was told that this one time, they were able to do it. I hope that this circuitous route is not utilized for everyone's money. If my insurance premium was paid with my money, then why in the world would it need to be paid again?
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