Yes he is. Original deal was locked in. Said with no price increase. BUT should there be more incentives, he would pass along the savings. This was Sept. 2020. We were well into COVID. Not pre covid.
As I said, I cannot speak for Ford. You will have to ask him what the deal was and how he could offer you an additional 5K off your truck when he knew you were going to pay off the loan. Perhaps someone could apply that strategy to a GM purchase if it works?
 
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