How I Bought a DVC BoardWalk Villas Resale in 28 Days

Disney's BoardWalk Villas resort exterior, the resort I bought through the DVC resale process

DVC Resale Process — Real Timeline, Real Numbers

28 days. That is how long it took me to go from spotting a listing to having 200 points loaded in my Disney Vacation Club app. Most people expect the process to take 60 to 90 days. However, I am here to show you that it does not have to take that long.

In this post I am walking you through every single step, every date, and every dollar — exactly as it happened. Because the more you understand the process before you start, the faster and smoother your own close will be.

I already own six DVC contracts. As a result, I know what a good deal looks like. When my friend texted me a link on a Tuesday morning, I knew within about 30 seconds that I was going to make an offer.

The Contract

The listing was on DVC For Less — an aggregator site that pulls available contracts from all the major resale brokers into one place. Because it shows everything in one spot, it is one of the best places to start your search.

BoardWalk Villas. 100 points. March use year. Asking $123 per point. Four-star deal score. Furthermore, it had only been listed for one day — which meant I needed to move fast.

DVC For Less shows you the listing details and then gives you a button to view it directly on the broker’s site. As a result, I clicked through to Fidelity Real Estate and submitted my offer of $118 per point right on their site. The form took about two minutes to fill out.

DVC resale listing for a BoardWalk Villas contract on a third-party broker site — Screenshot

Here’s What Made This Contract Exceptional

Most 100-point contracts come with exactly that — 100 points. However, this one was different. The seller had banked their points from the previous year, which meant this contract came loaded with 200 points available at closing instead of the usual 100.

What Are Banked Points?

Here is how banking works: When a seller does not use their points one year, they can roll them forward into the next year. As a result, you close on a 100-point contract and immediately have 200 points to book with. Because of this, banked points are one of the first things I look for in any listing — they add serious immediate value.

In addition to the banked points, the March use year was a major plus. March is one of the most flexible use years because it resets before the busy summer booking window opens. Therefore, you get maximum time to use your points before they expire.

By 6pm the sellers had accepted my offer. The total purchase price came to $11,800 — saving $500 off the asking price. Furthermore, the entire negotiation wrapped up in less than seven hours from the time I submitted my offer.

100

points per year

200

points at closing

$500

saved off asking

Step 1

Offer Made & Accepted

📅 April 15

After clicking through to Fidelity Real Estate, I submitted my offer of $118 per point directly on their site. The form took about two minutes to fill out.

Fidelity replied right away confirming the offer details. As a result, I knew the offer was in front of the seller within hours of spotting the listing.

By 6pm the sellers had accepted. In total, the entire negotiation took less than seven hours from the moment I first saw the listing.

The secret to a fast close: Every document that landed in my inbox I turned around the same day. Because I never let anything sit overnight, the entire process stayed on track. That one habit is everything.

Confirmation email from broker stating all the costs and what my offer is to seller. — Screenshot

Step 2

Contract Signed & Deposit Paid

📅 April 16

The contract arrived in my inbox the next morning. Because I had committed to same-day turnaround on everything, I signed it and paid the deposit before the end of the day.

Here is a tip most people miss — Fidelity allows you to pay the deposit by credit card. As a result, I put mine on my United Club Infinite card and earned miles on a $1,200 charge. Never leave points on the table.

Deposit paid by credit card	$1,200
Remaining balance due at closing (before closing costs)	$10,600

Pro tip: Always ask your resale broker if they accept credit cards for the deposit. Not all do — however, when they do, use a travel card and earn miles on the charge.

Step 3

Sellers Sign

📅 April 20

Four days later the sellers signed the purchase contract. As a result, the file was fully executed and ready to submit to Disney.

This is also the step where I sent my closing agent an email immediately to let them know it was done. Because I kept them informed at every step, my file stayed at the top of the pile.

Step 4

Submitted to Disney for ROFR

📅 April 21

The following day the file was submitted to Disney Vacation Club for Right of First Refusal.

What is ROFR? Disney has the right to buy the contract at your agreed price before you can close. Most buyers wait 30–45 days to hear back. However, as you will see in the next step, we did not wait anywhere near that long.

Confirmation email stating that Disney has waived the right of first refusal and we can close the contract — Screenshot

Step 5

ROFR Cleared — Moving to Closing

📅 April 29

Disney waived ROFR in just 8 days. Most buyers wait 30 to 45 days for that news — however, we were done in just over a week.

As soon as that email arrived I went straight to the bank and wired the balance. Because I had everything prepared in advance, I signed the closing docs within 3 hours. Furthermore, I immediately emailed my closing agent to confirm everything was sent.

Remaining balance wired	$10,600.00
Closing costs wired	$2,436.88
Total wired at closing	$13,036.88

See the full breakdown: The complete line-by-line closing statement — every fee, every charge, every dollar — is in the cost breakdown section at the bottom of this post.

Image of all the costs associated with the Disney vacation club contract, all the closing costs and the contract itself broken down. — Screenshot

Step 6

Sellers’ Final Signature

📅 May 4

This was the one step I could not control. The sellers took 5 days to sign the final closing document. However, everything on my end had already been completed within hours.

Because delays like this are normal, the best thing you can do is stay on top of it. As a result, I sent my closing agent a polite follow-up email every single day asking for a status update until it was resolved.

When sellers are slow: Do not just wait and hope. Instead send a short polite email to your closing agent every day. Something as simple as “Just checking in on the status of the sellers’ signature — any update?” keeps your file visible and shows you are serious about closing fast.

Step 7

Deed Recorded

📅 May 5

The following day the deed was recorded with the county and the file officially closed.

Furthermore, I immediately emailed my closing agent to confirm receipt and asked them to let me know when the file was submitted to Disney.

Most people don’t know this step exists. Disney will not load your points until the deed is recorded with the county. As a result, there is always a gap between your closing date and the day your points actually appear. However, as you will see in the next step, that gap does not have to be long.

Step 8 — Finish Line

Points Loaded

📅 May 12

Seven days after the deed was recorded, my 200 points appeared in my Disney Vacation Club app. Historically this step alone used to take close to 30 days. However, Disney has clearly streamlined the process — according to them, only 4 to 5 employees handle point loading for all DVC resale contracts nationwide.

As a result, the entire close from offer to points loaded came in at just 28 days.

By 2:05pm they were booked. One bedroom villa, five nights, two studios, March 2027. I did not come to play.

The Takeaway

28 days from offer to points loaded. Total paid at closing — $13,036.88.

The speed came down to two habits that anyone can follow.

Habit One — Same-Day Turnaround

Every document that arrived in my inbox I handled the same day. Nothing sat overnight. Every contract, every signature request, every wire — I completed it immediately. That single habit drives the difference between a 28-day close and a 60-day close.

Do this: The moment a document arrives, open it, sign it, send it back. Waiting until tomorrow turns into next week, and next week turns into 60 days.

Habit Two — Stay On Top of Your Closing Agent

After completing each step, I emailed my closing agent right away to confirm it was done. That kept my file at the top of the pile. When the sellers delayed their final signature, I sent a polite follow-up email to my agent every single day.

When there is a delay: Send a short polite email to your closing agent every day. Something as simple as “Just checking in — any update on the sellers’ signature?” keeps your file visible and shows you mean business.

Ready to Start Your Search?

This post documents the real process — every step, every date, every dollar. Start on DVC For Less to browse available contracts, then click through to the broker when you find one worth pursuing. Save this post and come back when you are ready to make your move.

Have questions about the DVC resale process?
Drop them in the comments below — I have been through this six times and I am happy to help.