Just be aware that your recorded deed is not always the date your paperwork is sent to Disney. I closed on the 20, yet my paperwork wasn't sent until the 24 (and only after I asked once again if everything was done.). This is a very slow process all around. I think some people get lucky, but you're looking at almost 90 days from start to close. In the future, I'll look for contracts with bankable points because by the time you get them allocated it'll be difficult to use them because of limited availability.