Is there a minimum AMOUNT that you need to finance? If we decided to add on 50 points at $102/pt ($5100) and paid, say, $3000 up front, would they allow us to finance the other $2100?
I'm just thinking about next year's tax refund

... I know that I couldn't use ALL of it for an add-on, but perhaps half of it, then make payments throughout the year and pay the remainder off with half of the next year's return.