Suggest you get a loan from an outfit more used to dealing with boats. (e.g. Essex Credit, or some other outfit nearer you.) You might get a better rate, and they''re likely to let you do your own documentation. Documenting yourself - as stated above, is a LOT cheaper than paying someone else. It''s not much work, (like sending in a car registration) and the turn-around is probably the same for you or a "service" . I did it for our boat, which was complicated by our having five owners in a partnership. No big deal, as far as the CG was concerned. Very helpful, pleasant people over the phone or by mail.