First boat I fininanced was ~8 years ago, wasn't hard to get the loan. Good Terms, used essex credit thru key bank.
Then we wanted to move up. Had the down payment, good credit scores, good income
. No dice. Could not get a loan on anything we wanted... (~ 50 ft )
Then last year was able to get good terms thru my bank, USSA. Great rate as well considering it was for a boat. There is money
out there, but you might have to jump thru some hoops. In the mean time continue to save and don't let your score go down in any way, so that means not only making sure your payments are on time, but also, using your credit. They don't like it when you just pay and not use... I hate these guys, but thats another story.