Tips on Buying Cars: Finance new auto, ford motor credit, high interest rate

Question
Purchased new vehicle 2 weeks ago. During the process dealer advise that ford rebate required ford finance at high rate. Opting for the rebate the finance rate came @9.9%. His answer to my query was that he would refinance with a bank in 90 days for a much lower rate. I assume 90 days is the minimum time to refinance. In fact put the refinance promise in writing. My question With a credit rate of 799 I wonder why the heavy rate from Ford. Is this strange or not and or legal? What does he get from the bank? After time to think about all this I became leery and wondered what is going on. At this time the web quotes somewhere around the 6% mark. I have considered contacting Ford to check this out but do not what to create any problems.  Thanks for your comments and views on this type of actions.

Answer
Ike, That's a bunch of garbage and makes me so angry, I worked for Ford Dealers for 16yrs, Here is what went on, Yes you have to finance with Ford to get the rebate but you should of received a rate of about 5.9 maybe 6.9, he lied to you, the reason for the 90 days is so he wont be charged back from Ford Motor Credit for all the money he made on you for the high interest rate, you see if someone would refinance their car before the 90 days, Ford Credit has the right to take back all profits made from interest rates or any other mark up in products and he made quite a bit, he probably had a 6% buy rate and sold it to you for 9.9 and above that lied, if you called Ford Credit which I'm sure you have a local branch and told them how they conducted business there would be trouble, to have it in writing that they are only financing the car for 90 days and then going to switch banks is against the truth in lending laws and Ford would be highly upset that they were going to be the switch. I would call Ford Motor Credit and tell them you are refinancing the car and tell them why, we need to report issues like this so that the car business keeps it straight and this won't happen to someone else from this dealer. All you have to do is call your bank or credit union and refinance the car now! You will keep the rebate and you will not have to go into the dealer ever again, your bank will do all the leg work, they will contact Ford and pay them off and you will sign new contracts at your bank.
If this person did this to you and was that smooth that you bought his story, then they have done it to many other people as well to have that much practice???? Report it. Call the dealer principle or at least FMCredit.