I agree with the previous posters for the most part, but there are times that buying direct from Disney pays off. At the time we were buying, we were wanting HH with some banked points...none of the resale markets had any 150 pt packages that weren't stripped. Because we wanted to buy before this summer's trip, we spoke with Disney about HH. Yes, we did pay $89/pt, but we also got all of 2004 points and 2005 points but only had to pay maintenance on 2005 points for the remainder of this calendar year. We figured it ending up costing us a few hundred more, but ressies were made immediately (long before closing) and no closing costs.
All that said, if you can find a HH with points, then you are much better off (usually) going with resale.
Good Luck in your search!