1) A timeshare loan originating from Diamond Resorts will not have a prepayment penalty.
2) Trust the finance department before trusting the sales associate. You can check yourself: Log into your account; follow the navigation button labeled "Ownership Summary." This screen will show you each contract you have and the corresponding points.
3) You don't have deeds. You own shares of a pool of deeds. A trust fund owns the deeds and you own a share of the trust fund. Each point is a share. One can buy shares (points) in almost any block-quantity you'd like.
Never believe a Diamond sales agent. I have seen, maybe, 15 different reports about this "equity trade program" pitch out of the two Vegas sales centers (Cancun and Polo Towers). No one understands what it is or how it works. No one can reproduce the math for the savings. It's a huge, systematic fraud.