Rescind. The only reason I would consider doing an equity transfer, is to get into the Hawaii resorts Outrigger club, because you have to have tons of points to use in that subsystem, and I go to Hawaii A LOT...also, when I was there (I didn't upgrade or do an equity transfer -- thanks to tugger's advice), but they offered the equity transfer if I only bought 105,000 points which cost about $15,900.
Sooooo, again, rescind, there is always time to do an "equity transfer", but doing it to save on mf's is not really a savings at all, not when you can purchase more points for dirt cheap, and still pay less per month that you would pay on a loan with Wyndham for the $15K-$25K that they are charging you with interest....When you do the math...you are really paying more... for a "fake paying less for MF's .. bull that the sales team is telling you."