My wife and I are having our first baby in about 3 months. We now think it may be time to look into the DVC as we would like to vacation every year as our family grows. I have a basic understanding of how things work regarding points but I'm still confused. What should our first step be towards purchasing? Do you put down a lump sum of money or is this something you pay for monthly / annually? I need just need some help getting started lol. I have no idea what I'm suppose to be looking for. AND what the heck is a "Home Resort?" To my understanding, you're allowed to stay at any DVC Resort. So why would you have a Home Resort?