Hopefully a moderator will move this to the DVC boards for you!
I was concerned that Disney Dining had gotten to the point that you had to refi to afford it.
As a DVC member and a reader of those boards I have never heard of this for the same contract. I know they will finance an add on after your initial purchase even if you still owe on the first, but it sounds like you are trying to refi a contract you already own?