You can also buy points from Disney. It is a little more expensive but less hassle and you can finance through them. I recommend calling Disney and getting the info package about DVC from them, it is a good place to start. Also, you can ask any questions you have on these boards and lots of nice people will be happy to help you . Good luck deciding, it is a big decision but most of us here are very happy that we joined DVC!!!
If you are interested in buying points, I can email you a list of a number of brokers (or did Beca already beat me to the punch)!! There are a number of reputable resellers out there!