We toured in Spring of 05 and were offered the 9.95% financing, 8$ per point rebate, and 05 points. Did not sign.
I called back in Spring of 06 and we were offered:
9.95% financing, 12$ per point rebate, and 06 points. We signed.
We were also offered a second incentive promotional called "Magical Beginnings" that I did not like or understand. Somehow you sold back your first year points and it lowered the 10% down part? I don't know. We were not offered anything like that in 2005.
I don't know if the incentive would have been withdrawn if less time had passed or not - but a year later the
DVC people seemed more than willing to offer us a variety of incentives and we ended up with a slightly better package than what was offered when we first toured.