Well, as I posted earlier, I just did an add-on at VWL. Well, in trying to complete my ressies for this summer, I needed to borrow a couple of points from this new add-on. Well, while on the phone with MS, I asked them when my projected closing date is, since I knew I couldn't borrow points until after that. Well, he said my closing date was April 1st. Well, knowing I was trying to book a studio at BCV and that there weren't too many left, I was disappointed, and basically left the Friday night open, since it was the weekend. Well this CM told me that there is an exception to the borrowing for new contracts. I just needed to call my guide to have her process the paperwork and I could then borrow points for this stay before I closed. Well, I called my guide, and now one day later I was able to borrow the points I needed and my ressie is now complete. So, you CAN borrow points before closing, just need an exception!!!!!