If you would like one of the 'sold out' resorts, OKW, BWV, BCV, VWL or either of the off site locations, HHI or VB you will need to go with a reseller.
The prices are NOT fixed, as most sellers will negotiate with you on price. As a buyer of a resale, you maybe required to pay for dues and banked points and most if not all of the closing costs. Then after you and the seller agree on the 'deal', Disney has a Right Of First Refusal, where at Disney's sole discretion could buy the deal you made with the seller, then you would have to locate another resale and start all over. This ROFR has a 30 day limit, so the resale could take 4 weeks or more.
But once you make a deal and Disney passes, you have all the same rights as an owner that purchased from Disney. They do NOT treat you as a 'second class owner'. There are several resellers that folks on this site have used, and one, The Time Share Store is a site sponsor. Click on their link at the top of this page.
Hope this helps.