This is a great home buying program. No down payment, no closing costs. With patients, NACA can help you achieve your dream of home ownership. read more

NACA has been a godsend to me through my lending process for my first home. I was initially approved through a traditional lender for both FHA and USDA loans. In my process of sourcing more details about the nuances for a USDA loan, I found reference to NACA on a social media site. Their mortgage process sounded almost too good to be true. No down payment, no closing costs, no mortgage insurance, and a lower interest rate than the current market? It was beyond what I was hoping for and, although I'd heard it can be long and tedious, I could see the worth. I started my application on 4/27/2025, completed the education process over the following weekend and was able to get an intake appointment scheduled for 5/9/2025. After discussing my situation with my counselor and providing all documentation needed, I was able for qualify for more than initially approved through traditional methods! This means I can actually buy a home closer to my kid's school in Chandler. PLUS I feel thoroughly supported in the process, well informed, and excited for the next steps! Highly suggest taking the steps NACA requires, as it's well worth it! Beyond what I'm getting from NACA, I'm also so excited to give back through their participation requirement of 5 volunteer events per year. I love the idea of sharing my story and advocating for the process with other first time home buyers and single moms like myself. Everyone deserves to achieve the American Dream, and I'm excited to become a homeowner soon. Take the leap! I'm glad that I did. read more

I am just starting the process to get qualified for my new home. I wish I would have done this when I first heard of the program and I would already be in my home. I am looking forward to get everything taken care of and being in my forever home in the next few months. read more

NACA is great! I really love the people who are helping me get a home. They are very easy to work with and I love how honest they are when looking for a home. Thank you NACA! read more

So, if you're looking to buy a home, commercial property, investment property, etc...NACA has to be your first choice for making those dreams come true. When buying real estate of any kind 4 things really come into play when making one if the most important decisions you will ever make. Low Interest No Down Payment No Closing Costs No PMI (Property Insurance) NACA checks all of those boxes and while the process can be tedious in the end I think it is absolutely worth it. The program requires you to attend counseling sessions so they can provide you with all the valuable information you need, and walk you through the entire process of becoming a successful property owner. Thank you!! read more

After hearing positive reviews from people on social media sites about NACA I signed up for the introduction class to hear more about their program. Just last week started working with the NACA program, getting all of the required documents added to the members portal and I was able to schedule my first counseling session right away. Working with the counselor was very easy to schedule as it was via a Zoom call, and if I missed a document I could easily make the correction and add it to my portal file. In the end I was able to obtain a clear understanding of what my next steps will be to get the multi-unit property I desire. I am looking forward to completing this process soon. www.naca.com The benefits of working with NACA are: No Down payments No closing costs or fees No mortgage insurance read more

Michael (my husband) and I both were so pleasantly surprised when we attended the seminar. It was so informative and made me feel very optimistic that we would be able to purchase a home. We are almost at the home stretch in getting qualified. it can be tedious to get all your paperwork together, but in the end it is all worth it. read more

I recommend NACA for anyone who dreams of owning a home and is tired of renting and throwing away your hard working money. They will help you get qualified with no money down, low interest rate and no credit check. look up NACA and start the process to get you prequalified. read more

Reviews are FORCED prior to even going through the process. Proceed with caution and take what you read with a grain of salt. They do NOT move quickly, talk down to you like you are dumb when you have questions, getting a response from your counselor is a joke. They tell you one thing and then switch it up without explanation and make the process more difficult than it needs to be. Somehow they figured my debt is 90k when all i have is my car loan but couldnt explain why. Forced me to gather everything from my husbands income, told me we were good and then once again flipped the script and said nope, we cant use it. after MANY months of attempting to complete the process with NACA I threw in the towel when they went from telling me I could afford $2800 down to $1900 and expected me to find a home for my family with that, it would allow for about 250k on a home which is impossible in AZ. My AGENT worked my file, got us approved within 2 days and we were out shopping. Within a month we were under contract and are now moved in, with a BETTER rate than NACA could get us as well. Dont even bother with them, they are a joke all around. read more

Just finished my home purchase journey with NACA, and it paid off in a big way. * No down payment or closing costs * No PMI * Low 3.375 FIXED interest rate * NACA has my back if finances go south With less than $1,400 out of pocket, I have keys and a piece of the American Dream. Barbara T was my counsellor, and she is by far the best. If you're fortunate enough to get her, don't blow it by being stupid or lazy. Yes, the process is long and frustrating at times... and that's coming from someone with a great credit score and stable job history. Diligence and patience are the name of the game, but if you persevere, then you'll PROFIT! read more

Such an amazing program!! Yes, it is a lengthy process, but once you get through it all, your dreams of becoming a homeowner will finally come true come true. I WISH we had found this program years ago. Ive highly recommended this program to everyone i know. NACA is here to see us all win! read more

NACA is a great program for first time homebuyers! I attended an informational workshop that was very informative. Next, I was set up with a counselor who walked me through the entire process and all the requirements that I needed to qualify. NACA allows members to purchase their homes with no down payment, no closing costs, and doesn't have credit requirements. I encourage all first time home buyers to check out this program. read more

I have had a good experience with NACA going thought the approval process, them member portal is helpful to keep track of all you documents and task you need to complete for getting approved read more

Check out NACA!! Great path to homeownerhip and receive education to boot! Community helping community..

Amazing program to assist in the purchasing and homeownership to people and communities.

I was hesitant about the process, then I was assigned a Counselor named Michael that has helped me through it all. He helped me to better understand what's needed and helped to keep me informed with how to stay current as I continue through the process. I'm looking forward to the finish line! And appreciate all of his assistance. read more

I found this homebuying program, no down payment, no closing cost, no consideration of your credit score, check it out at NACA.com. Started the naca program in May of 2023, just got my voe's submitted and waiting for the final clearance to go get approved to go house shopping. read more

I am so glad to hear about NACA. I was about to give up on home-buying until I found out about this program. I was skeptical at first because it does sound too good to be true, but it's real. There are steps to take to get qualified, but I've learned so much in the process! And so worth it since it will help me reach my home-buying dreams! read more

KEEP HOPE ALIVE In the current state of the economy with interest rates constantly rising, knowing there is a program that will assist in down payment and closing cost helps me keep hope alive. I don't want to rate them as I am still in the process and it would be prematurely inaccurate but yelp requires so 3 stars just because it's in the middle like I am. read more

Naca.com is a service to assist in home ownership. It is an extensive process but rewarding if you can stay until you close on a home! I'm truly excited wuth my Couselor N. Kelly . Thank you all at Naca for the work you do to guide us through this process!! read more

These wonderful folks help us get everything prepared for our new home purchase. The program is for lower income buyers and features support and guidance and an extremely low interest rate! read more

NACA offers a great product as far as the mortgage industry is concerned. But please understand that this product does require SIGNIFICANT "sweat equity" on the part of the buyer. NACA will require some polite "pushiness" in order to make the system work. Anticipate delays in the process at every step due to the overall volume of clients that each of the counselors is handling. Be prepared to schedule meetings weekly to address your file and any concerns in it. The process may seem piecemeal at best at times but hang in there. Don't let all your hard work go to waste. If you are a buyer that just wants flawless execution and NO delays, this may not be the product for you. If you have time, energy, and PATIENCE to work with the process, the rewards will be great. Good Luck! read more

I needed to find a mortgage lender who would provide assistance with me obtaining a house since I have extensive college student loans. NACA has provided some help with this, but the process took along time. read more

If you are looking to start the homebuyers process or look to see where you are at Naca is the place to start

I have been working with my counselor for over a year and the experience has been good so far. I was switched counselors and the process has moved a lot smoother with Million. They do a good job at explaining what is needed and are helpful. read more

They have truly opened my eyes to the preparedness of buying a home and with the benefits of not having a down payment I could focus on addressing my debt and my budget. I'm almost there and I can't wait. read more

We glad we heard about NACA, it's a great organization that helps us achieve our homeownership. We are very pleased with our progress so far towards homeownership. Our counselor Ms. Barbara is very helpful, knowledgeable, informative and very professional. We highly recommend NACA for all first-timers homebuyers.. We were having a hard time on buying a home and NACA made it extremely easy to achieve our lifetime goal of ownership. read more

Currently I am in the NACA program and i am learning new ways if budgeting my money to be in a better situation for my new home. I want to say that our counselor continues to be a great assistance with all this paperwork and just listening. I would recommend this program to any new or old home buyers. read more

NACA is AMAZING!!! I was skeptical at first but kept hearing great things about it on social media, how people were becoming first time home buyers. I had to find out for myself by attending the introduction class. Barbara was the instructor and she did a thorough job explaining everything. I signed up right away and scheduled the next step with my counselor Andrea. She's doing an excellent job guiding me through the process to help me achieve my home buying goal. read more

Currently going through the home buying process with NACA and looking forward to closing on a home soon. It is extensive and it requires patience and diligence. But the benefits of being able to close with no downpayment or closing costs etc makes the process worth it read more

The program itself is great, it's been less than a year since I closed on my house and everyone was great. My only suggestion is, get yourself a realtor that knows what he/she is doing because it'll make a world of difference. You will have to do a lot of work but to me it's worth it given what you get. 100% financing, no PMI, low fixed interest rate, closing cost assistance, etc. If you want it, you have to make it happen. Thank you Barbara for your infinite help. read more

Working with NACA has been an experience to remember. I look forward to purchasing a home.

This is a program that will help you get your finances in order! you should check it out. im in the credit access stage now getting ready to close on a mortgage read more

I have recently started the process for a home purchase. So far the process has been seamless and am receiving all the resources needed to move forward with purchasing my first home. Looking forward to working with NACA services and having assistance every step of the way. read more

Yup they do take a long time to get things process, not going to lie, but in the end it's all worth it. Yes, they do add on $50 membership fee a month to your loan, but if you need help, it helps you not the bank. The bank paid all my fees, we had to come up with our insurance upfront. Just remember they work with people that don't have the greatest credit, so it takes time. We had a foreclosure, they said they could work with us 2 years after our foreclosure. During that two years we rented a house and saved and paid stuff off and got our finances in order so that when we went to NACA it would not take long to get through their bureaucracy and jump through their hoops. Yes, it was frustrating, yes I felt like pulling my hair out, yes it does drag on for months, yes they do ask for the same information more than once and yes this program does work. We got a $201,000 loan for 2.75% for 30 years. For 2.75% interest rate on a 30 year loan, yes it was worth it. Perseverance, patience and a good realtor who stays on top of things. If we would of had a lazy realtor we probably would have lost the house. Between us both we got things done. read more

currently in the process of getting a home with NACA. The process is tedious, but with anything in life it takes work and Patience. A lot of information is needed but the bright side is its consistent updates on your current status financially to ensure yourself and the program that you are in the right positions needed to obtain the goal you're looking for in getting a house. Like the program so far, getting so close to the finish line. THanks NACA read more

Drove to Mesa from North Phoenix. Spent a couple hours in orientation. They never called. This is an organization with no organization. If this is your only option for home ownership, the hassle of the process is probably worth it. But if you have other options, I suggest you don't waste your time and patience waiting on "the process." What you pay in rent waiting for "the process," to buy a home probably comes close to what you would save in interest and PMI. read more

As a fellow mortgage banker I am aware of how the process goes and I heard of the great discounts in costs and rate so I was excited to sign up with NACA. Over a year later and I cannot get anyone to call me back. I have given them countless pieces of information, calls and emails. In this industry the average loan takes about 30-60 days to close depending on the file and im still stuck in the mud with thier process, lack of oversight and accountablility. My guess is they think its ok to give bad service since they have such a good product. I really wish i could say something good but I refuse to paint a false picture of this company. Wishing things get better James read more

NACA is helping me to purchase a home and I couldn't be more pleased with the process and how things are progressing. NACA has pulled me along through the necessary steps and brought me to a place where I can look forward to living in my new home. Just a few more steps and home-ownership is a reality! Thank you NACA for assisting me with fulfilling my dream of owning a home. I can't wait to close the deal and move in! read more

Great program but it does take a while to get an appointment on the books. Once your counselor is assigned and you have a contact you can reach directly then it's smooth just have to do your part to get all the documents provided. I am still in the middle of the process hopefully I will update this review in a few weeks after closing on a home. read more