NACAReviews of consumeradvocates.org

NACA made the home buying process easy and affordable. Their support and guidance were invaluable every step of the way. I highly recommend their services for anyone looking to purchase a home.

So far so good… i went to the workshop and learned more about the process although not seamless it worked. I’ll admit I took my time but my planning paid off and if all goes well I’m sure I’ll be shopping and closing in a few months definitely before the year is out. I learned a lot through this process and hopefully to learn more going forward with maintenance.

I recently restarted the NACA process. My counselor Antonio picked backup and was able to assist in what we need to complete for our action plan. I hope to be qualified soon.

What is the greatest thing you can give someone? Opportunity and Hope! And that is exactly what NACA is giving me! I recently had my first counseling session with my A+ counselor, Ellen Peterson! She was thorough, kind, and motivating! She gave me the jump start I needed to see this process through! I will definitely be sure to come back and review again after I've closed on my new home! Thanks NACA! Let's GO!

I started the NACA process over two years ago and due to personal reasons I took a break from my home buying journey. After picking back up recently, my counselor has been very helpful and transparent regarding the journey. I was able to call and advise what documents are needed for my action plan. So far the process has been smooth sailing and I’m looking forward to continuing the process.

I've been with NACA since February 2018 and I still don't own a home...That should tell you how this program is. I'm on SSDI so I can only work so many hours without jeopardizing my SSDI. I have a counselor who don't believe in communicating and had two realtors who feel like because I'm on the low end of the income spectrum that I should pick whatever house they send me and be happy I can get something. I stopped trying with this program by April 2022 and by March of 2023 the two counselors who stood me up a total of 8 times in 2022 decided to help in 2023 but with each I had to wait 6 months to get something done. In November on 2023 my counselor wanted me to single handedly explain each and every transaction I made for 3 months. I told him I'm not about to do that. What's my bank statements for if I have to sit and remember every transaction I made within those 3 months? So he sits on my file, but then decided to do something and by August of 2023 I finally get approved. He was so happy about that when in 2021 when the interest rates were at 3.25 and he kept standing me up, he could've done something then. Now my approval letter has expired again because there's no houses out there that I can afford. I requested a renewal back in March and the same thing is happening...no communications at all which is fine because there's no houses out there right now that I can afford anyway.

NACA is one of the BEST home ownership programs available! Especially for first time home buyers. It's not rushed and NACA prefers for you to take the time you need to understand the program and prepare for the largest investment you will ever make. NACA also requires you to save money for minimum required funds which a small fraction of actually goes towards home buying (appraisal, tax, etc.) and the other portion you keep but is meant to have you purchasing with a decent amount of money in your savings. NACA has no upfront costs or fees, no down payment, no credit score requirement, lower interest terms (including a generous buy-down option), and no monthly mortgage insurance premium (MIP). Now where can you find that???

Just started the NACA process! So excited can't wait to see how it goes! Melody Coleman was so patient and helpful! Thank you!