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My wife and I are owners. At first it seemed like a scam . Yes they are trying to sell you a product a mortgage. We started as as cautious. So far in almost 4 years been to Florida ( we did have to pay for air fare) Myrtle Beach , Tennessee 2 times and west Virginia. We bought it a sample owner at a lower rate . then eventually bought a larger point package. We and our kiddos love it. they have a wide range of places to stay . potential of reduced cost cruises and chance of out of country travel and are starting to work with Disney. There customer service is awesome Yes maintenance fees Stink. But overall fantastic experience. I work 40 plus in a parts plant I am not a representative of the company. Plus for rv driver's they have many areas to hook up to as well . cost well it is a mortgage . But if you want a great experience with a company that allows more movement than in the past go with blue green. Today 2-13-2020