Original Message:
Wyndham's new "Ovation" program offers exit solutions for their owners... interested? (by Tracey S.):
105,000 points isn't going to be worth anything. You probably could give it to someone other than Wyndham and you may get a taker without having to pay the $299 transfer fee yourself. Contracts that are less than 180,000 or so points have very little resale value because of the closing and transfer fees.
If it is paid off your fastest easiest way out is Ovation.