ROFR Thread July to Sept 2025 *PLEASE SEE FIRST POST FOR INSTRUCTIONS & FORMATTING TOOL*

[Jimmy Geppetto]

So isn’t is a required line item for closing? My contract shows a 119.60 dollar charge for “Owner’s Title Insurance to DVC Title and Escrow”. I didn’t feel like that was any sort of option to “remove”?

Most companies won’t close your resale purchase without requiring you to purchase title insurance however there are some (LT Transfers) that make it optional and only charge you the “closing fee” plus taxes, stamps etc.

A $400 closing fee is somewhat high. Mason charges $300. Magic Vacation title is ridiculously higher but you get poor service for free with them.

 

[VGCgroupie]

Most companies won’t close your resale purchase without requiring you to purchase title insurance however there are some (LT Transfers) that make it optional and only charge you the “closing fee” plus taxes, stamps etc.

A $400 closing fee is somewhat high. Mason charges $300. Magic Vacation title is ridiculously higher but you get poor service for free with them.

TRCS also doesnt require it that I am aware of. When I asked to add it she was kind of annoyed by it, it seemed.

 

[eMoneyBug]

I am in the camp that title insurance is a waste of money. If there is a lien on the contract it must be filed in the deeds but maybe I’m comfortable with not having it because as soon as get the sales contract, I’m searching on my seller names and downloading their deed and checking all their grantor grantee information. And if I want faster service with DVCTE to do my closing they don’t have an option to not pay for the TI so I will waste that $, but Aulani with TRCS super comfortable not having it and paying less.

 

[OnlyTryingToDrownHer]

OnlyTryingToDrownHer---$88-$15533-150-BRV@WL-Aug-0/23, 0/24, 150/25, 150/26- sent 6/20, passed 7/16

I swear this is my last contract.

 

[Brian Noble]

If there is a lien on the contract it must be filed in the deeds

That's not the only potential problem. Incorrectly drafted deeds, or transactions that don't involve all parties but are in the recorded chain, etc. can all lead to clouded title. If you are going to DIY, fine, but (a) I don't trust myself to catch all meaningful mistakes and (b) my time has value. History is littered with people who "did their own resaerch" and screwed it up. I'd rather not be one of those people.

For a purchase cost that is typically in the low five figures, title insurance on a resale is a small price to pay for peace of mind. If you were acquiring Garden Variety Timeshare X, fine---it's worthless anyway, who cares?---but that's not the case for DVC.

 

[foodiddiedoo]

That's not the only potential problem. Incorrectly drafted deeds, or transactions that don't involve all parties but are in the recorded chain, etc. can all lead to clouded title. If you are going to DIY, fine, but (a) I don't trust myself to catch all meaningful mistakes and (b) my time has value. History is littered with people who "did their own resaerch" and screwed it up. I'd rather not be one of those people.

For a purchase cost that is typically in the low five figures, title insurance on a resale is a small price to pay for peace of mind. If you were acquiring Garden Variety Timeshare X, fine---it's worthless anyway, who cares?---but that's not the case for DVC.

I agree, 120 dollars out of an almost 22k purchase for me is not much and is less than 4 dollars a year over the life of the contract. I also didn’t think 400 dollars in the fee for DVC Title and Escrow is terrible (why should they do all this work which multiple people were involved in for something like 200 bucks). Time is money and I expect that they put at least 3-4 hours worth of work in on my documents.

 

[VGCgroupie]

OnlyTryingToDrownHer---$88-$15533-150-BRV@WL-Aug-0/23, 0/24, 150/25, 150/26- sent 6/20, passed 7/16

I swear this is my last contract.

Congrats on your last one until the next one!

 

[Girlstar30]

Most companies won’t close your resale purchase without requiring you to purchase title insurance however there are some (LT Transfers) that make it optional and only charge you the “closing fee” plus taxes, stamps etc.

A $400 closing fee is somewhat high. Mason charges $300. Magic Vacation title is ridiculously higher but you get poor service for free with them.

And extra work printing everything out and mailing it back

 

[mauionabreakaway]

mauionabreakaway---$157-$40000-250-PVB-Feb-68/24, 250/25, 250/26-Split closing- sent 6/24

mauionabreakaway---$157-$40000-250-PVB-Feb-68/24, 250/25, 250/26-Split closing- sent 6/24, passed 7/16!

 

[Hokies37]

Hokies37---$50-$10016-150-HH-Apr-300/25, 150/26, 150/27-seller pays MF '24- sent 6/24, passed 7/16

 

[mauionabreakaway]

Hokies37---$50-$10016-150-HH-Apr-300/25, 150/26, 150/27-seller pays MF '24- sent 6/24, passed 7/16

RoFR buddies!

 

[eMoneyBug]

Hokies37---$50-$10016-150-HH-Apr-300/25, 150/26, 150/27-seller pays MF '24- sent 6/24, passed 7/16

I do think this deal is real solid, HH prices have dropped the most along with VB from 2024 to 2025. I feel like many HH members 2024 and prior were not willing to lower their prices, but in 2025 it seems like so many are willing to let it go for much lower.

Contract price $50x150=$7500
Reimb 2025 Annual Dues $11.92x150=$1788
Remaining for Closing Costs=$728 <---I feel like this is extremely high for a $7.5K contract!!! I hope they are providing some excellent and speedy work. OR for you HH experts, is there a higher charge for closing in South Carolina?

 

[Hokies37]

I do think this deal is real solid, HH prices have dropped the most along with VB from 2024 to 2025. I feel like many HH members 2024 and prior were not willing to lower their prices, but in 2025 it seems like so many are willing to let it go for much lower.

Contract price $50x150=$7500
Reimb 2025 Annual Dues $11.92x150=$1788
Remaining for Closing Costs=$728 <---I feel like this is extremely high for a $7.5K contract!!! I hope they are providing some excellent and speedy work. OR for you HH experts, is there a higher charge for closing in South Carolina?

I know! I called First American and DVC Title & Escrow to get their pricing. First American said they didn't do closings in SC. DVC Title & Escrow quoted me ~$750 and said the fees were higher in SC.

I tried to negotiate with Magic Vacation Title. They let me put down a $5K deposit on a credit card and did not charge a 3% transaction fee.

 

[foodiddiedoo]

I know! I called First American and DVC Title & Escrow to get their pricing. First American said they didn't do closings in SC. DVC Title & Escrow quoted me ~$750 and said the fees were higher in SC.

I tried to negotiate with Magic Vacation Title. They let me put down a $5K deposit on a credit card and did not charge a 3% transaction fee.

DVC Title and Escrow let me put down 7500 with no fee if that makes a difference. For me I always want to get closer to United 1k haha.

 

[Jimmy Geppetto]

I know! I called First American and DVC Title & Escrow to get their pricing. First American said they didn't do closings in SC. DVC Title & Escrow quoted me ~$750 and said the fees were higher in SC.

I tried to negotiate with Magic Vacation Title. They let me put down a $5K deposit on a credit card and did not charge a 3% transaction fee.

Did you call Mason? They are $7500 no fee.

 

[armstrongwillf]

armstrongwillf---$93.33-$16077-150-SSR-Dec-137/24, 300/25, 150/26, 150/26- sent 6/25, passed 7/17

 

[ClaraOswald]

Stalking this thread to see if it was anyone here who snagged the 120 point contract for VGC. If we were in a place to get more points right now...I would have been tempted by that one since it's super close to the amount of points we want.