Okay so I just spoke to my guide and will give my take on things based on actually having a conversation about this with a guide
I asked her why they discontinued the charts and she said that they want you to speak to a guide and that they are highly regulated.
I believe this is a sales tactic and i also believe that tbry are highly regulated. Why I believe this is because I sent two emails about my interest in Saratoga. She did not bring that up at all. What she did bring up is that if I buy at least 200 VDH points they will give me a new gift on top of the new incentives.
The gift is a very limited edition framed Mary Blair canvas print that you cannot buy in stores and they only made 200 of them. They will give this gift only to the first 200 buyers that commit to the new incentives at 200 points or higher for current members or 250 points or higher for new buyers. They know us
DVC folk love swag
As a disney fan, this made me def want the special gift and to stick with VDH. It made me feel like I have to say yes really fast or it will be gone. Sales tactic.
She actually seemed frustrated that a chart wasnt readily available for her to tell me the accurate cost either. The numbers go into her computer and it spits out an estimate. I told her an estimate is not good enough for me, I need the actual price.
She said that was fine, but it wouldnt include the closing costs anymore and she cannot provide me her own mathematical breakdowns thru email. She said i wont see all of this until she draws up the contract. I want to believe her not being able to provide her own calculations thru email has to do with the fact that they are highly regulated and perhaps some guides were giving wrong estimates. She did tell me about the Disney Visa incentive and
d23. She didnt seem to know about the other 1000 discount and was looking it up in her computer. i dont think it was nefarious, shes been off for two days. It seemed very unorganized, but again, this new way just rolled out. Them not giving closing costs to me is bs. I need to know how much im paying, period
We will see what the email she sends me tells me. I am confident from my calculations that this incentive period on 200 points is the same cost as last. I asked if the closing cost prices and financing interest changed for the new incentives and she said no.
So it seems like for whatever reason they dont want to be forthcoming with closing costs. And perhaps (just a guess) they dont want people comparing incentives from before to now easily with charts.
My closing has been extended to 75 days. I requested 90, but didn't push. I wanted to pay in 4 different months and thats what I get to do so im happy. I will be going with the new incentives and my Mary Blair gift!
even though I promised myself I would hold off on anything until at least next year
