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Shop Confirmed DVC Reservations. Not a Member? Call (800) 500-3990. But the beauty of DVC is that in the. Aulani Resort & Spa. About DVC RESALES. DVC Rental Store. We'll help you determine how may Vacation Points you may want to. The selling price was $100 per point, which is below the DVC Resale Market average of $118 per. If I am following this correctly, the best way to maximize the purchases is to purchase your initial DVC points via Resale, and get the best deal possible, and then contact Disney to add 100 points. 31. Monthly Payment$514. Disney's Beach Club Villas. DVC Resale data this month showcased what we predicted, with average resale prices increasing across the board in April 2023. 13/mo. Destinations. 30 in closing costs and a small discount currently available (DVC often runs similar specials for new members), the total one-time membership cost is $31,728. DVC Resale Market Monera Financial. Disney Vacation Development, Inc. A great bonus is the Buyer pays NO Dues on the 2022 points! Make an Offer Est. To give you an estimated example if you were to choose to buy real estate interest for the Aulani, Disney Vacation Club Villas, Ko Olina, Hawai'i, Disney Vaction Club costs start at $18,200. 36 to close on this sale. Disney’s Beach Club Villas. Copper Creek Villas & Cabins at Disney's Wilderness Lodge. Disney Files. 2. She is intimately familiar with Disney Vacation Club, Walt Disney World, Disneyland, Adventures by Disney, Aulani and. They list a number of high-value timeshares, not just DVC. Appreciate the research. 36 to close on this sale. They include Disney Cruise Line voyages, Adventures by Disney, non DVC hotels such as Disney's Yacht Club Resort, Disney's Paradise Pier at. DVC - Boardwalk Villas. Through DVC Resale Market, you would be paying $108. And historically, Disney really would exercise that right some of the time. That’s a lot of Disney vacations. Dues based on the current 2023 values are $1,493 however Disney has not released 2024 Dues figures yet so actual 2024 Dues may be different. Her knowledge of DVC and the resale market is vast and her integrity and service to her clients has earned her a reputation of excellence. Get the DVC Resale Market App. From our website, you can also click on the live chat feature on the bottom of the page. Total Annual Cost with 13 Points Left Over: $1,762. Buying Disney Vacation Club on the resale market is a great way to save money. marketYour Magic Key to Vacation Resort Ownership. Our goal for this article is to provide great directional information for anyone considering a Disney Vacation Club (DVC) resale purchase or just wanting to satisfy a general. | Privacy Policy. † You must be 18 years of age or older to call. 56 per point per year. List before November 30th and the DVC Resale Market will sell your Disney Vacation Club contract for only a 9. These great prices will likely not last long, however, as a rumored price increase is on the way for direct Disney Vacation Club sales. How A DVC Rental Works. Disney's Riviera Resort. Help & Contact. Timeshares for Rent Timeshares for Sale. If you are viewing point charts in an effort to determine the right amount of DVC. —. In August of 2023, Disney chose to use ROFR to buy back 0% of DVC Resale Expert sales. At any time during your search, feel free to call us at (844) 382-7253. Stay on-site at Walt Disney world for less by renting a DVC resort from an owner. So you have to travel that same week each year to use your ownership interest. Sell Fast! Over 80% of contracts are selling within 7 days and over 95% are selling within 30 days! Guaranteed Sale! We Will Sell Your Listing in 30 Days or We Will Buy it. Disney Vacation Club is not a financial investment. The Most Disney Vacation Club Rentals in one place. In 2018, this soared to $86 per point. 00. To “break even” using that 10% discount perk, you’d need to spend about $109,500 on souvenirs and dining costs. Listing ID SSA5371. Not a Member? Call (800) 500-3990. Request to List Your DVC Contract. This month-over-month increase is due to two-thirds. Beginning January 16, the price per point will increase by $6. Another great advantage of buying resale is that you may be able to find a DVC resort that is completely sold out on. 45 per point. Thanks, DVC Resale Market! We made our reservation as a DVC member today! Thank you for your help and professionalism the whole way through!! We had a great experience with Kevin and the team. , NMLS ID: 11271, WA Lic. Purchasing a 50-year DVC membership provides great value for repeated guests of Walt Disney World. All DVC Properties. Buying a DVC contract direct from Disney or through Resale both have advantages. Disney Vacation Club's Polynesian Villas & Bungalows offer guests a chance to experience the magic. Are you considering a DVC resale of your own membership? Or perhaps you’re thinking about making a purchase in the Disney Vacation Club, but want to know if a. Select Resort/s Price Per Point $65 — $300 Select Use Year/s Price $3,250 — $60,000 Select Status/s Points 30&nbsppts. Depending on whether you’ve used any of your points this year, the tool will tell you the price will be around $150 per point or $15,000 for the 100-point contract. 81/mo. , a Hawaii corporation, as applicable,. Explore our. In December, this simple average was $128 per point. Not to mention, over 90% of our DVC resale listings are. © 2023 Unlocked Magic. #: CL-11271. Nov 18, 2023DVC provides families with savings and flexibility for Disney vacations as well as other vacation destinations around the world. Hidden deep inside each round of new direct Disney Vacation Club incentives are small discounts for sold-out properties. Third time's a charm so let's do one more: A DVC resale aggregator gathers multiple options into one place, meaning they all directly compete with each other. , NMLS ID: 11271, WA Lic. At the current member discount of 20% off, a member would have to buy 2,633 t-shirts at $30 per t-shirt to break-even. com. DVC Points Charts. Don’t let the calendar fool you, folks! The date may be June, but it’s beginning to look a lot like Christmas at Disney!This is the second removal of perks for those who purchase their Disney Vacation Club points on the resale market. I am only asking because I myself am looking to buy a DVC Re. The average listing price for a 200-point Saratoga Springs contract at DVC Resale Market is approximately $25,200. 1-844-DVC-FANS (382-3267). 27% of all direct sales recorded through Feb 2021. Even Disney says, “You may independently find a licensed real estate broker,” regarding assisting with the selling of a Membership. The DVC Rental Store is the largest and fastest-growing service for DVC Rentals in the United States. Get the DVC Resale Market App. Joined. Member Benefits & More. Two thumbs up for a recommendation. Be where your prospects are. On 200 points that equals $11,200 or 56 years of annual pass savings. S - Standard View. DVC Resale Market is the leader in the DVC resales industry with 21 former DVC Cast Members ready to help you buy or sell Disney Vacation Club resales today! Meet Our. Unfortunately, we can’t recommend working directly with Disney to swap your DVC points for a cruise. The previous year saw 2,406 liens filed, and the lowest number filed in the past four years was only 987. Available. In September of 2022, Disney chose to use ROFR to buy back about 13% of DVC Resale Expert sales. Closing Costs*. DVC Members: For assistance with your Membership, please call (800) 800-9800. Complete the form below with your basic contract and contact information and the DVC Resale Market Team will get the selling process started right away. My fellow writer Marisol visited this resort and wrote a review here. It was created in 1991 by Disney Vacation Development, Inc. A. Date Listed September 28, 2023. Bee has worked in all facets of the Real Estate industry in her 35+ years of experience. Fidelity Resales is the preferred resale broker for DVC and have been for over a decade! Our licensed, professional, and highly trained real estate agents specialize in Disney and your vacation needs. In April 2022, they were selling for $170-180 per point. Whether you’re a Member or a Guest, you can count on us to handle the DVC rental process from start to finish and deliver a customer experience that’s simple, straightforward, and. Set your criteria and receive notifications of new and reduced listings. We treat everyone as “Family Members. Now is as good of a time as any to buy into DVC, with. Currently, Disney has reduced the minimum number of points required to purchase down to 100 points. Essentially, you pre-pay for future vacations, meaning that you’ll avoid some of the highest price increases over the years. 5% buyback rate (Contracts Bought Back in 2023/Contracts Sold in 2023). Based on sample pricing of 150 points at $207 per point, plus a $250 document preparation fee, $578. Through DVC Resale Market, you would be paying $108. † You must be 18 years of age or older to call. . Let’s look at a few reasons: 1. New. It can go from a beachfront getaway or mountain retreat to a theme park. 1st Disney will require the 2024 Dues be paid at closing). These are all non-DVC resort destinations. Page 1 of 22. A DVC Resale search engine. Since the contract goes until 2066, you’re talking about 50 years worth of points, or 7,500 points over the life of your contract. Disney Vacation Club (DVC) is a flexible point-based timeshare program owned and operated by The Walt Disney Company. Call us today at 844-DVC-FANS (382-3267) or email us at Info@DVCResaleExperts. Destinations. The 2023 waiver rate is 99. At any time during your search, feel free to call us at (844) 382-7253. Use Year December. You can sell Disney Vacation Club on your own but it’s not recommended. Check. The only costs you incur as a Seller is a 9. DVC SHOP - R E N T A L S - Call Us! 516-464-2382. This time we’re taking a look at the resale DVC per point prices for the month of September 2022. Help & Contact. You can choose to pay your annual dues in 12 monthly automatic. Apr 2, 2023. Members can enjoy access to Disney Vacation Club Resorts like Copper Creek Villas & Cabins at Disney's Wilderness Lodge and Bay Lake Tower at Disney's Contemporary Resort. About DVC by Resale. Here’s how the resale process works: You will need to find a buyer or list your Membership with a licensed real estate broker. 2. Use the Vacation Points recommendation tool to explore the total cost of Disney Vacation Club Membership. Prices in August were up about 5% from $139/pt to $146/pt. Start by browsing DVC rental availability. If you want to know the particulars, you can read about them here:Review fromJonathan T. For example, I own a timeshare interest from Disney Vacation Club (DVC), which sells timeshares for a 50-year period from when the project. Find Points Charts featuring Vacation Points values for Disney Vacation Club Resorts at Walt Disney World Resort, the Disneyland Resort and in beach destinations. Mar. We pride ourselves in providing outstanding service. † You must be 18 years of age or older to call. 0 pts 2023. The Polynesian – 104. 1st Disney will require the 2024 Dues be paid at closing). Using the lower end at $13. Our licensed real estate agents are here to guide you through the selling process. Owners can have vacation access to all Disney locations, all member benefits, Disney Cruises, and Adventures by Disney tours. Discover Disney Vacation Club, a vacation ownership program or timeshare that can be a more cost-effective way of taking Disney vacations. Disney's Polynesian Villas & Bungalows. A Member does not need to find their own buyer. Loans are payable up to 5 years. 8%. Vacation Club Life is located only steps from Walt Disney World Resorts and the Magic Kingdom. Contact our former DVC Cast Members for. Confirmed Reservation Aggregator Of All DVC Rentals Available Across Multiple Sites. In October of 2022, Disney chose to use ROFR to buy back about 23% of DVC Resale Expert sales. If you want to sell your Disney Vacation Club contract, finding a buyer can be much easier with a DVC resale company. Got an e-mail immediately from the broker that she would present my offer to the seller. Shop our DVC resale listings at Disney's Grand Floridian. Disney Timeshare Resales. Call Us! 516-464-2382. "Self-reported" resale prices can be found on the ROFR threads, but those can move around in short periods of time (and there have been reports that some posters may have mis-reported their actual price paid for whatever reason). Disney Vacation Development, Inc. Below are links to Disney Vacation Club point charts for all 16 DVC Resorts and World Collection by Interval International exchanges. market DVC Resale Market showcases Disney Vacation Club listings across all 16 Resorts. dvc. 30 in closing costs and a small discount currently available (DVC often runs similar specials for new members), the total one-time membership cost is $31,728. Disney timeshare resorts are often given extremely high ratings by club members for their accommodations, proximity to key attractions, and overall service. Hello all! I was researching if there was a website that aggregated all the different DVC Re-Sale website listings into one place, and it appears. 5. You can browse listings by resort, points, Use Year. resales@disney. We Rent DVC Points For Discounted DVC Rental Disney Resort Stays. © 2023 Unlocked Magic. Welcome to DVC Shop Resales, where you can find the largest selection of Disney Vacation Club resales! Buy DVC points for less, or take advantage of our unparalleled marketing to sell your DVC membership quickly. Aggregating listings from multiple brokers, we simplify your search for the best deals. . The DIS Advertisers sticky at the top of this forum has a list of resale brokers. October of 2022 was also around $142. It's usually 4x points per dollar, with 100 points equal to 10 cents off per gallon the next time you fill up. For more details about how to sell DVC points, click here. *If you are financing, this does not include lender fees. A mainstay of timeshare developers since its industry debut in 1991, Disney operates 12 magnificent resorts in Florida, South Carolina, California, and Hawaii. For direct from Disney, these advantages over Resale transactions are: 1. With 15 resorts decorated around the country, owners can take the magic with them to DVC destinations in Hawaii, Hilton Head Island, California, Vero Beach, and of course, Orlando. Let’s dive into the details of the three contracts that the DVC has bought back recently: Contract 1: This was an Animal Kingdom contract with 300 points per year, with 235 points coming in the February 2024 Use Year. At the time, Disney required guests to spend at least $11,730 to join DVC, the equivalent of $25,800 in 2023. #3. Whether you’re a Member or a Guest, you can count on us to handle the DVC. Contact Us. What are the DVC Resale Restrictions? Effective for DVC resale purchases submitted on or after January 19, 2019: Disney Vacation Club resale contracts purchased for the original 14 DVC resorts will only be able to exchange into those 14 existing resorts in the DVC network. 2% buyback rate (Contracts Bought Back in 2023/Contracts Sold in 2023). With discounts on both resales and rentals, there are plenty of opportunities for savings. With DVC Resale Market, the price per point drops a ton at $165 per night, costing you only $990 of your DVC points. A weeknight stay between June 11th and August 15th. DVC SHOP - R E N T A L S - Call Us! 516-464-2382. Deed Expiration 2054. #: CL-11271. She lives close to the parks and loves to meet her clients. MOST OF OUR LISTED CONTRACTS ARE IN THE PENDING STAGE. Resale. Once the buyer and the seller agree on a price, Disney then has 30 days to buy the contract back at that price itself, thus taking it away from its intended buyer. The current Disney Vacation Club resorts are: Disney’s Animal Kingdom Villas (Jambo House/Kidani Village) Boulder Ridge Villas at Disney’s Wilderness Lodge. Back in 2011, DVC stopped allowing those buying resale points to use them for Disney Cruise Line, Adventures by Disney, and outside hotel chains. 50 per point. Following the success of the new villas coming to The Villas at Disney’s Grand Floridian Resort, Disney Vacation Club has announced a new DVC. Age old debate I know, but we met with a guide last week and I am torn between the direct vs resale option. Content is delivered in small chunks, generally a synopsis, preview, or headline. This listing has the full allotment of 2022 & 2023 points included in the sale. Not a Member? Call (800) 500-3990. This means you are free to use, bequeath, transfer, or rent out your ownership. This means you are free to use, bequeath, transfer, or rent out your ownership. Resales: 407-242-6442. There are a few important factors to consider while dabbling in DVC resale. Vero Beach – 82. What Content Does DVC By Resale Syndicate Via RSS?Through DVC Rental Pros, you are able to rent points from DVC owners at an enormous savings. Yes, that is right. I really like using aggregators for this type of search and peck process. 5 stars. Resort Quiz. T his is the ultimate guide for completing a Disney Vacation Club resale. “DVCMC” means Disney Vacation Club Management Corp. Buying with DVC Resale Market. If you want to know the particulars, you can read about them here: Thank you so much for your kind words, Debbie! It's been a pleasure working with you and we can't thank you enough for sharing your experience and confidence with others. Direct DVC. Boulder Ridge Villas at Disney's Wilderness Lodge. Disney's Beach Club Villas. In many timeshares, when you purchase your ownership interest, you select a specific accommodation type and a specific week of the year and that’s the week you “own” at the resort. Please note, this is an automated estimate; for the most accurate estimate please contact the DVC Resale Market Team. com Search. DVC resale buyers can save $4 per point, and get discounted closing costs, on select resale contracts and DVC renters $10 off on any confirmed reservations when they book before 11:59 PM EST on May 4th 2021. GREAT! When you list with DVC By Resale, you get the fastest turnaround sales time possible, with a lowest commission GUARANTEE. DVC is a points-based vacation ownership program that allows members to plan vacations at one of Disney’s 14 luxury resorts across the U. There are currently 16 different DVC resorts. I must have called 10 different times with questions and every one of them was answered. Resort Quiz. DVC Exercises Right of First Refusal (ROFR) Year-to-date (YTD), Disney has exercised their right of first refusal (ROFR) on 4 Disney Vacation Club (DVC) contracts, and DVC Resale Market (DVCRM) has sold 1,416, resulting in a 0. Through it, owners buy points, called Vacation Points, which can then be redeemed on stays at Disney. Out of the 31 ROFR responses received, 27 contracts passed and 4 were bought back by DVC. 00/point for check-ins 7. dvd. This listing has full points included for 2023 with NO 2023 Dues to pay! Make an Offer Est. 150 Point Deed / February Use Year - 17 points coming on 2/1/24 (11 + 6 banked from 2023, banked points need to be used by 2/1/25) and 150 points coming on 2/1/25. Once the reservation has been booked and paid for, the DVC Shop Rentals team will contact the DVC Owner to update the reservation with your name and information. #1. To join the club, members pay a one-time fee to purchase points. 00 per point, which is a massive difference. Before you buy DVC, check out the top-ranked DVC resorts. In 2021, DVC has exercised ROFR on. As an international "newbie" to DVC I bought 200 points direct from Disney in March 2020 at Riviera Resort. But they never had the contract that I wanted pop up, once I noticed that their prices seem to be going up quicker than some of the others, I decided to start checking out all the other reputable sites as well. Points 150. Meetings. Close . These numbers are based on DVC Resale Experts’ own sales and resale price data. Note this number can fluctuate quite a bit each. Disney's BoardWalk Villas. After several months of climbing upward, July 2023 brought a slight cool down to the DVC Resale market. Effective January 19, 2019, only Members who purchase directly from Disney will be able to use their Vacation Points at the 14 existing Disney Vacation Club Resorts or future Resorts—such as Disney’s Riviera Resort or Reflections – A Disney Lakeside Lodge. Vacation Club Loans offers timeshare financing options for all major vacation brands including Disney Vacation Club, Marriott, Wyndham, Hyatt, Hilton and more. Enjoy a romantic stroll along the sandy beaches of. You may have some points leftover, maybe not. This is a significant turnaround from the recent trend of declining prices and. *If you are financing, this does not include lender fees. † You must be 18 years of age or older to call. We specialize in Disney Vacation Club Resale, DVC Rental, All Cruise Lines, Plus Land Travel. You may also ‘chat’ with us online if you prefer. com Search. Over 90% of our new DVC listings are sold within 30 days. Those add on points would match the Use Year of your original Resale Purchase and you would get the DVC card. Again, this is the real reason we are members of the Disney Vacation Club. DVC Resale Market Client 2016. DVC Members: For assistance with your Membership, please call (800) 800-9800. Disney Vacation Development, Inc. Dues per Point $7. - Pamela M. Disney's Hilton Head Island Resort is located on the picturesque coast of South Carolina, only 5 hours from Walt Disney World Resort. Set your criteria and receive notifications of new and reduced listings. We love Old Key West and are thinking of buying a second resale contract at OKW but noticed they all expire 2042. Your DVC points purchase on resale can be used to book rooms at any of the 8 DVC resorts at Walt Disney World (Animal Kingdom, Bay Lake Tower, Beach Club Villas, Boardwalk Villas, Grand Floridian, Old Key West, Saratoga. With DVC, that would be (just very simply) $32,250; for resale, that would be $21,300, a difference of $10,950. DVC Members: For assistance with your Membership, please call (800) 800-9800. Again, this is the real reason we are members of the Disney Vacation Club. 1600 Seven Seas Drive, Orlando, FL 32830 US. Everything you need to connect with your ideal buyers, all in one platform. About Disney Vacation Club. Seller Pays 2023 Annual Dues, Buyer pays 2024 Dues (For closings after Dec. Renting DVC Points Saves Money! Deluxe Disney Villas up to 40% off! WDW: epcot area. This means the absolute cheapest DVC membership right now is $19,500 without closing costs and annual dues taken into consideration. I'll definitely be spot checking BW and BC contracts as I go. DVC Members: For assistance with your Membership, please call (800) 800-9800. Disclosure: This Disney Vacation Club resale post contains affiliate links. Through it, owners buy points, called Vacation Points, which can then be redeemed on stays at Disney. For all resorts combined, the overall DVC average resale price for February 2023 was around $125 per point in price. Enjoy the splendor of the great outdoors with creeks and nature trails through pine forests. 25% of sales price) – $150 estoppel fee & $20 right of first refusal recording fee. Set your criteria and receive notifications of new and reduced listings. Our staff has helped over 10,000 owners in buying and/or selling their DVC contracts on the resale market. Their communication has been excellent and they are very quick to respond. Watch our video series that explains Disney Vacation Club. More info here. Resale Member Benefit: No. We recommend DVC By Resale. Worth noting: As an aggregator (Not a broker) I track the last price posted before a listing was removed. Total Cost of Purchase**. RSS (Really Simple Syndication) is a standard XML format for delivering content that changes on a regular basis. If you don’t find your DVC Confirmed reservation or you wish to list your points with us, please call 833-382-3325 ext 0 or text us at 407-329-2465 , we can’t wait to help you. DVC Exercises Right of First Refusal (ROFR) Year-to-date (YTD), Disney has exercised their right of first refusal (ROFR) on 8 Disney Vacation Club (DVC) contracts, and DVC Resale Market (DVCRM) has sold 3,848, resulting in a 0. In order to recoup that $12,000 savings, you need to. According to Marriott’s website, approximately 1,500 Marriott Vacation Club points start at $22,000 if bought directly from Marriott. Not a Member? Call (800) 500-3990. 1600 Seven Seas Drive. Sales open to all others: May 30th. Club members have first priority in reservations at their home resort up to 11 months in advance, and may. Important Membership Documents. For 2020, each point costs $195. Third time's a charm so let's do one more:<!doctype html> <html lang="en"> <head> <meta charset="utf-8"> <title></title> <base href="/"> <meta name="viewport" content="width=device-width, initial-scale=1. Every DVC Resale listing on the internet, conveniently searchable on one website. 99/point for check-ins 4 months +1 day – 7 months from today at ALL resorts, including Riviera and Villas at Disneyland Hotel! • $21. Welcome to DVC Shop Resales, where you can find the largest selection of Disney Vacation Club resales! Buy DVC points for less, or take advantage of our unparalleled marketing to sell your DVC membership quickly. Dues per Point $7. The properties affected by ROFR DVC interception in October of 2022 were Disney’s Animal. Make an Offer Est. Resale points purchased after March 20, 2011 cannot be used for destinations in The Adventurer Collection, The Concierge Collection and The Disney Collection. As a result, you can quickly find similar listings at different price points. Our team has helped thousands of families just like yours become members of the Disney Vacation Club. About Disney Vacation Club. Grand Californian has a large impact on these numbers, seeing a significant decrease in its. How A DVC Rental Works;. 83. Total Calculated Costs with DVC. 250 pts 2025. $/Pt. Many people are familiar with traditional timeshares where owners purchase the right to use an accommodation at that resort for a specific period of time each year. Presented my offer online that was $4/pp under asking price for Poly at about 9:30am PST. Disney Vacation Club (also known as DVC) revolutionized the concept of timeshares and has been one of the fastest growing ‘clubs’ in the travel industry. Schedule Time with a Guide. Contact. Bee Thaxton is the licensed Florida Real Estate Broker for DVC Shop Resales. If I am following this correctly, the best way to maximize the purchases is to purchase your initial DVC points via Resale, and get the best deal possible, and then contact Disney to add 100 points. 13 out of 16 DVC properties saw their average resale price increase this month, driving the blended average up to $130 per point. Please note, this is an automated estimate; for the most accurate estimate please contact the DVC Resale. 2% buyback rate (Contracts Bought Back in 2023/Contracts Sold in 2023). Confirmed Reservation Aggregator Of All DVC Rentals Available Across Multiple Sites. Learn more about DVC Resales, including costs, how deeded real estates work, and the flexibility of having a DVC membership. I do like the way their website is organized over others. Plan Vacation. Your DVC Shop agent will create a contract outlining all the terms that you’ve agreed upon with the DVC seller. Not a Member? Call (800) 500-3990. in the past, I would usually just browse 2-3 of the big DVC resale sites but have expanded my horizon quite a bit; I have noticed some of the listings across brokers seem to be the same; is that normal? I figured some may just be where someone listed with one broker, finished their term, then. † You must be 18 years of age or older to call. I saved $17,000 on. Let us help welcome you home! SELL your DVC membership now. For Resale, there are restrictions. The savings, per point, is $56. Offers & Benefits. Copper Creek Villas & Cabins at Disney’s Wilderness Lodge. Rent Your Points. com. The sponsor’s chart does not take into effect time value of money or inflation and assumes contracts are held to expiration. Those purchasing a 150-point contract currently receive a $2,000 developer’s credit.