If you are looking at a 25 point contract to buy, my opinion is buy it direct. No hassle, points to use immediately. Cheaper closing costs than resale. If you use the Disney Chase Visa credit card you get 6 month 0% interest. If it is 50 or more resale would be the way to go. Usually anything 75 points and less get a premium price tag on the resale market. Plus if you buy direct they can easily give you the same use year, making using them much easier. Finding resale with same use year might take some work to find depending on resort.