I truly wanted to give this program a 5-star review because the concept and assistance it offers to families purchasing a home is wonderful. Unfortunately, our personal experience was closer to a 2-star experience. The representative assigned to us, Kimberly K., came across as dismissive, discouraging, and at times unprofessional. As a biracial family--my husband is Caucasian and African American, and I am Hispanic--we were excited to participate in a program designed to assist diverse families. However, throughout the process, we often felt overlooked and unsupported. One example that stood out occurred when our credit scores were reviewed. My score was 805 and my husband's was 810. We were proud of how much we had improved our credit over the last year and simply celebrated with a quick high-five. Kimberly immediately responded by saying, "That doesn't matter here. What matters is income and proof you can afford the home." While technically true, the comment felt unnecessarily dismissive and took away from a moment we were proud of. Over the course of nearly two years, we repeatedly attempted to qualify through the program. My husband's income increased significantly, from approximately $85,000 to over $135,000 annually. However, because he had only been earning the higher income for four months, Kimberly stated she could not use the updated income and advised us to wait another year. We offered updated pay stubs, employment verification, and supporting documentation, but were told the underwriter would not approve it. The application was effectively declined before being submitted for review. Mind you the raise was for the same company! Communication was another major concern. Appointments were rescheduled multiple times, emails and phone calls often went unanswered, and despite bringing documents in person, we were instructed to upload everything online rather than having them reviewed during our meetings. Throughout our interactions, Kimberly frequently spoke about how busy she was, how many clients she was helping, how tired she was, and how much she was looking forward to her vacation. While everyone deserves time off, these conversations often left us feeling like we were a burden rather than valued participants in the program. The most frustrating part was being consistently told what we could not afford. During our first evaluation, we were quoted an approval amount far below what our financial situation supported. We were repeatedly told, "I can't approve you for what you can't afford," despite our long history of paying nearly $3,860 in rent each month. Ironically, after stepping away from the program, we successfully purchased a beautiful five-bedroom home for $586,000 with a 3.99% interest rate and very little money down. We were ultimately approved for well over $800,000 through a traditional lender. This outcome demonstrated that our financial qualifications were stronger than we had been led to believe. Another concern is that participants are encouraged to leave 5-star reviews before the process is completed. Reviews should reflect the entire customer experience from start to finish, allowing clients to provide honest feedback once they have completed their journey. I understand that every family's experience may be different, and I am genuinely happy for those who have been helped by this program. However, based on our experience, I cannot recommend it. We spent nearly two years being told "no," despite consistently working toward the goals we were given. In the end, we achieved homeownership without the program and with terms that were equal to or better than what was being offered. I am sharing our experience not out of bitterness, but in the hope that future participants receive better communication, more encouragement, and a fair opportunity to have their applications fully evaluated. read more

I have been with NACA for nearly a year. I have to say the process is not easy by a long shot. I have not yet purchased a home, but am hoping to in the near future once I can clear up some issues and get my budget on track. I just wanted to share some of my thoughts with anyone who may be interested in joining. There is a lot of paperwork that is required to upload, and a lot of work one needs do with creating and sticking to a budget. Being a NACA member has really taught me about how to save and how to stop spending money on things that I do not need. The counselors are great and very easy to communicate with. There are going to be times when you may become frustrated with the process, especially if you are a person who is not very computer literate. Having volunteered at several events I have one thing to say about NACA, patience is key. Some people I spoke with felt that they would be given 100's of thousands of dollars just by attending a one day workshop. This is so far from the truth. As with any mortgage, NACA needs someone to prove that they are ready for the financial responsibility that comes with home ownership. There are many banks that are out there willing to give you a mortgage you can not afford and do not care if you fall into foreclosure. NACA is there to make sure that does not happen. That's what the counselors and creating budgets is for. When NACA approves you it is because you have shown that you are ready to take on the responsibility with owning a home. At workshops I have met people who have successfully purchased with NACA, and I have a coworker who purchased a home using NACA. The program is definitely there to help people become homeowners. The process may seem tedious, but anyone can qualify. There will be a lot of work on your part to get your home, but the benefits far outweigh the work you need to put in. read more

I recently engaged with NACA's mortgage counseling services, and it is with utmost professionalism that I commend the exemplary assistance provided. The proficiency, diligence, and individualized guidance offered by Ms. Augustine, the mortgage counselor, were truly commendable throughout the entirety of our interaction. Upon scheduling my counseling appointment with NACA, Ms. Augustine promptly facilitated the arrangement of a mutually convenient meeting time, showcasing efficiency and competence. Her deep understanding of the mortgage domain was evident as she attentively listened to my financial objectives, concerns, and aspirations, establishing a foundation of trust essential for our collaboration. Ms. Augustine's expertise shone through as she adeptly expounded upon complex mortgage terminology and concepts, ensuring clarity and comprehension. Patiently guiding me through various mortgage options, she provided a thorough analysis of each, considering my unique financial circumstances and objectives. Her insights into interest rates, loan terms, and repayment structures enabled me to make well-informed decisions aligned with my financial goals. Moreover, Ms. Augustine meticulously scrutinized my financial profile, evaluating aspects such as income, expenses, credit history, and debt obligations. This comprehensive assessment ensured that the mortgage recommendations offered were tailored precisely to my financial capacity. Her meticulous approach and personalized attention underscored a genuine commitment to my financial welfare. In conclusion, I wholeheartedly endorse NACA's mortgage counseling services, exemplified by Ms. Augustine's professional excellence and dedication to client satisfaction. read more

I recently had the pleasure of receiving NACA's mortgage counseling services, and I must say that my experience was nothing short of exceptional. The knowledge, professionalism, and personalized guidance provided by the mortgage counselor, Frank G., were truly invaluable throughout the entire process. From the moment I scheduled my NACA counseling appointment, the staff was prompt and efficient in setting up a convenient time for our session. The counselor demonstrated a deep understanding of the mortgage industry and took the time to listen attentively to my financial goals, concerns, and aspirations. This initial step helped establish a strong foundation of trust, making me feel comfortable and confident in their expertise. Frank exhibited an impressive level of expertise, explaining complex mortgage terms and concepts clearly and concisely. He patiently walked me through various mortgage options, helping me understand the pros and cons of each one based on my unique financial circumstances. He provided valuable insights into interest rates, loan terms, and repayment plans, empowering me to make informed decisions that align with my long-term financial goals. Moreover, Frank took the time to assess my current financial situation comprehensively. He reviewed my income, expenses, credit score, and debt obligations meticulously, ensuring that the mortgage recommendation he provided was tailored specifically to my financial capabilities. His attention to detail and personalized approach gave me the confidence that he genuinely cared about my financial well-being. I highly recommend it! read more

NACA EXPERIENCE As a current NACA member, I must say that it is an outstanding program for several reasons. The NACA Mortgage Program enables eligible borrowers to buy a home with no down payment. The NACA Mortgage Program does not require applicants to pay standard mortgage closing costs such as a lender, appraiser, title company, and settlement agent fees, which can run thousands of dollars depending on your loan amount. The interest rate on a NACA mortgage is usually less than the rate for other low or no down payment programs. Additionally, I have the option to buy-down the interest rate to 0.75% by increasing the mortgage amount, paying out of pocket, or using a gift or grant. The NACA program does not require borrowers to pay private mortgage insurance. NACA offers extensive homebuyer counseling and support before, during, and after the mortgage process. My counselor was very patient and attentive to my needs throughout this entire process. Ms. Melinda also assisted me with information regarding the home buying workshop. There are also online modules to guide you as the decision to buy a home is often complex. These resources are designed to help guide you through the home purchase and mortgage processes and make sure that you make sound decisions based on your financial profile. Although the process can be very tedious and, at times, frustrating, it is well worth the wait. I would recommend anyone looking to purchase a home to set up a consultation with NACA. Garrick O. read more

I signed up for the NACA Housing program back in 2020, and I can honestly say it was one of the best decisions I've ever made. The process took about a year, mainly because I had just started a new job, but throughout that time, the NACA team was incredibly supportive and guided me every step of the way. Thanks to NACA, I was able to buy down my interest rate to a fantastic 4.625%, which was a huge relief in terms of my monthly payments. I was able to purchase a home in a quiet, safe neighborhood that is not only affordable but also a perfect fit for me. One of the things I loved most about working with NACA was the level of support I received. My NACA counselor Michelle Mitchell was always prompt, thorough, and ready to help with any questions or concerns I had. My real estate agent Michael Burke was also very well-equipped and made sure I understood every part of the process. There was never any confusion, and I always felt well-informed. Perhaps the most impressive part of the NACA program was that there were no closing costs and no down payment required. On top of that, it's a conventional loan, which meant I didn't have to pay mortgage insurance another big savings for me. For anyone looking to buy a home, I highly recommend the NACA program. It truly is the best housing program out there, and I'm so grateful for the opportunity it gave me to own my home without the burdens of traditional loans. If you're on the fence, get started with NACA, you won't regret it! read more

I cannot recommend the NACA program highly enough! It has truly been a phenomenal experience for me as a home buyer. NACA's commitment to affordable homeownership is unmatched. Their dedication to helping individuals and families achieve their dream of owning a home is truly commendable. The NACA team has been incredibly supportive and informative throughout the entire process. They provide invaluable resources and guidance, making the often complex and daunting home-buying journey feel manageable and accessible. What sets NACA apart is their emphasis on affordability and fairness. Their interest rates are incredibly competitive, and the no-down-payment option is a game-changer for many aspiring homeowners. The NACA program genuinely cares about creating opportunities for everyone, regardless of their financial background. Moreover, NACA's workshops and counseling sessions are highly informative and empowering. They ensure that you are well-prepared for the responsibilities of homeownership and financial management. In summary, NACA is a lifeline for homebuyers like me, who may not have thought owning a home was possible. If you're in the market for a home and want a program that truly cares about your financial well-being and homeownership dreams, I wholeheartedly recommend NACA. Thank you, NACA, for making my dream of homeownership a reality! read more

Naca is a non-profit organization that provides affordable mortgages and homeownership assistance to low and moderate-income individuals and families. They are known for their advocacy work in promoting affordable and fair housing opportunities for all. One of the key advantages of working with Naca is their low-interest rates and fees, which can help borrowers save money over the life of their mortgage. They also offer counseling and support services to help borrowers navigate the homebuying process successfully. Additionally, Naca has a strong track record of helping underserved communities and promoting financial literacy among borrowers. They have a reputation for transparency and accountability in their lending practices, which can give borrowers peace of mind when working with them. However, some borrowers have reported challenges with the application process and delays in getting approved for a mortgage through Naca. It is important for potential borrowers to be patient and diligent in providing all necessary documentation to expedite the process. Overall, Naca is a reputable mortgage company that provides affordable housing options to those in need. With their commitment to serving the community and providing valuable resources, they can be a great option for individuals and families looking to buy a home. read more

5 Stars - A Life-Changing Experience with NACA!** From start to finish, this organization has been an absolute game-changer for my family and me. NACA's mission to make homeownership accessible and affordable is not just talk--they "deliver". Their team of dedicated counselors and staff are knowledgeable, patient, and genuinely invested in helping people succeed, no matter their financial background. The process was thorough (yes, it requires commitment!), but every step was worth it. The workshops were eye-opening, breaking down complex financial concepts into simple, actionable steps. My counselor, are a rockstars--always responsive, empathetic, and ready to answer my 100th question with a smile. Thanks to NACA's incredible program, I secured a mortgage with "NO down payment, NO closing costs, and a below-market interest rate". What sets NACA apart is their heart. They don't just help you buy a house; they empower you with financial literacy and a supportive community. Walking into my new home, I felt pride not just in ownership, but in being part of an organization that fights for economic justice. If you're willing to put in the effort, NACA will match it tenfold. Trust the process--it's life-changing. Thank you, NACA, HIGHLY RECOMMEND to anyone dreaming of affordable homeownership! read more

I'm writing to share my overwhelmingly positive experience with the NACA (Neighborhood Assistance Corporation of America) homeownership program. I was initially hesitant to explore options outside of traditional banking, but my experience with NACA has been nothing short of transformative. What truly sets NACA apart is the exceptional dedication and expertise of their staff. From my very first interaction, I was impressed by their comprehensive understanding of the program's intricacies and their genuine commitment to guiding participants through the process. They patiently answered all my questions, even the most basic ones, and provided clear, concise explanations of sometimes complex financial concepts. Their responsiveness and willingness to go the extra mile were truly invaluable. NACA's ability to assist individuals who might otherwise be excluded from homeownership due to challenges securing financing from traditional banks is incredibly commendable. The program provided me with the support and resources necessary to navigate the complexities of home buying, ultimately enabling me to achieve my dream of owning a home. I would highly recommend NACA to anyone seeking a reliable and supportive partner on their journey to homeownership read more

I recently had the pleasure of working with a representative from NACA, a homebuying organization dedicated to providing affordable housing options for low to moderate income individuals. From the moment I reached out for assistance, the representative was friendly, knowledgeable, and incredibly helpful. She took the time to thoroughly explain the homebuying process and answer all of my questions in a clear and concise manner. She even provided me with valuable insights and guidance based on my specific financial situation and goals, helping me to better understand my options and make informed decisions. I was also impressed by the level of professionalism and expertise displayed by the representative throughout our interactions. I felt comfortable and supported every step of the way, which was incredibly reassuring as a first-time homebuyer. Overall, my experience with NACA was extremely positive, and I would highly recommend their services to anyone in need of affordable housing solutions. The representative I worked with truly went above and beyond to ensure that I had a thorough understanding of the homebuying process and felt confident in my decisions. Thank you, NACA, for providing such valuable assistance and support! read more

NACA has really changed the game with their system updates! The process is so much easier! I started back in February of 2021 and although it may seem like the process has taken me a while I've learned so much about my finances. Which, to me as an African American is so important. I wasn't taught how to save my money growing up but with NACA their budget form really allows you to see just where and how much money you're spending and where you can save. It started off as just wanting to purchase a home but with NACA I'm learning that this is a Home I want to be able to KEEP! It will be a home I'll be able to AFFORD, yesterday, today AND TOMORROW! So be patient with the process, NACA is preparing their recipients for success! You will fail if you don't prepare yourself. NACA is here to prepare you, trust the process, follow your action plan, upload your documents regularly (so that it isn't overwhelming) communicate with your counselor, join the FB groups for information- communicate with your partner/ family if you aren't purchasing alone and be PATIENT! When you're ready NACA will be there! some tips: Make sure your financial documents are in order and up to date! With NACA you get what you give! read more

My wife and I have been going through the NACA homebuying process together, and overall it's been a worthwhile experience. The process is definitely not quick or easy, but if you're willing to stay organized and follow their requirements, it can be a great opportunity. Our counselor has been helpful in explaining what documents we need and what we have to do to move forward. There is a lot of paperwork, budgeting, and documentation involved, so patience is important. At times it can feel overwhelming, especially when additional documents are requested, but we've learned that staying on top of everything helps keep the process moving. What we appreciate most is that NACA focuses on preparing buyers to be financially ready for homeownership instead of just approving a loan. My wife and I are still working through the process, but we feel like we're making progress toward buying our first home. If you're considering NACA, my advice is to be patient, respond quickly to document requests, and stay committed. It's not an instant process, but for those who qualify and stick with it, it can be well worth the effort. read more

I will say that I am blessed to have experienced what I call, divine timing. I had been going back and forth with the idea of purchasing a home, but hesitant about all the uncertainty that would follow in this market. Thankfully, when I decided to move forward with the process, I was able to register and attend a one-day "Achieve the Dream" event, presented by The Neighborhood Assistance Corporation of America (NACA), which afforded me the opportunity to attend the required workshop, submit pertinent documents, meet with a Counselor and possibly become qualified for a mortgage - ALL in the same day! The event was very informative and well-organized, especially for the sheer volume of people in attendance at the event. The Counselor I met with was knowledgeable and seemed to really love their job and the overall mission of NACA. This was very refreshing! There were many staff on hand and volunteers to help the day go smooth. I really felt like they were rooting for me!! I can honestly say that by the time I left, I felt like I had accomplished a big step in my journey towards ownership. read more

I recently had the opportunity to work with NACA during my homebuying process, and I want to share my experience, particularly with my mortgage counselor, Alex Garcia. From the beginning, NACA offered a unique and supportive path to homeownership, especially for first-time buyers. The no down payment, no closing costs, and below-market interest rate options were incredibly helpful and made the process more accessible. Alex Garcia was instrumental throughout this journey. He was knowledgeable, patient, and communicative. Whether I had questions about documentation, next steps, or just needed clarification, Alex made sure I felt informed and reassured. His professionalism and commitment made a complex process feel more manageable. He provided realistic expectations, timely follow-ups, and genuine guidance every step of the way. While the NACA process itself can be detailed and sometimes lengthy, having a counselor like Alex made a significant difference. I truly appreciate his dedication and support in helping me move closer to homeownership. read more

I am currently going through the NACA homeownership program and wanted to share my experience so far. I was originally approved last summer, but due to some personal delays, I wasn't able to complete a purchase at that time. Thankfully, NACA has allowed me to remain in the process, and I've felt supported throughout- especially by Ms. Esme Redman, who has been a true advocate and asset. What stands out most is how committed NACA is to helping people like me access homeownership in a way that is financially sustainable. Working with Ms. Redman has made a huge difference - she's knowledgeable, responsive, and genuinely cares about helping me succeed. She's guided me through the documentation, budgeting, and readiness steps with patience and encouragement. I would recommend NACA to others, especially if you're willing to commit to the process and are looking for long-term affordability. Just be ready to stay organized and advocate for yourself, and if you're lucky like me, you'll get a counselor like Ms. Redman who truly has your back. read more

My experience with NACA so far has been very informative and helpful. The program provides a clear step-by-step path toward becoming mortgage-ready, and I appreciate how thorough the process is. The counseling sessions, budget review, and documentation requirements have helped me understand my finances more closely and identify areas where I can improve my savings and spending habits. NACA offers a unique opportunity to purchase a home with no down payment, below-market interest rates, and no closing costs, which is extremely valuable for first-time homebuyers like myself. The counselors have been patient in explaining each step and making sure I understand what is needed to move forward. Although the process requires preparation and attention to detail, I can see how it ensures long-term financial stability for homeowners. Overall, I feel supported, better informed, and more confident in my ability to reach homeownership through NACA. I appreciate the resources and guidance provided, and I look forward to continuing the process. read more

I am having the pleasure of working with the Neighborhood Assistance Corporation of America (NACA), and I am beyond impressed with their dedication and service. The entire process has been going smoothly, transparent, and incredibly supportive. Shatonya is knowledgeable, patient, and always ready to answer any questions, making a daunting process like home buying much more manageable. One of the standout aspects of NACA is its commitment to helping individuals and families achieve homeownership without the burden of high-interest rates and unnecessary fees. The workshops and trainings are informative and empowering, and Shatonya provides personalized guidance tailored to my financial situation. I highly recommend NACA to anyone looking to purchase a home. Their mission to provide affordable homeownership is not just a slogan, but a reality they bring to life daily. Thank you, NACA, for making homeownership accessible and for your unwavering support. 5 stars all the way! read more

I began the process in April 2022 with the information session. As a first time homebuyer I found all of the information provided to me that's far extremely inspirational and informative. I had my first meeting with my counselor in June, and a follow up meeting based on work I need it to do in August. Once I had my initial meeting, there were clear expectations and next steps outlined by my counselor. My counselor answered emails in between sessions and continue to help me along the process with any questions I had. I am anticipated to become qualified within the next week or two, allowing me to begin the home search. I have been working with Raphael Freeman, who is incredible to say the least. He is extremely knowledgeable and thoughtful in his approaching, and set my expectations. In addition, he has explained every question I had - no matter how odd - with no judgement. He is a pleasure to speak to and work with - and one of the greatest assets of this experience. read more