NACA is the best purchase program in America. NACA provides both comprehensive housing counseling and access to an incredible mortgage product. While NACA provides everyone with mortgage options, NACA also provides one extraordinary mortgage product with everyone receiving the same incredible terms and below market interest rate. NACA has over $13 Billion committed from some the country’s largest lenders on the following terms:

No down payment

No closing costs

No points

No fees

Evaluation based on individual circumstances without consideration of the credit score

Below market 30 year fixed rate mortgage at 3.625% (as of 4/7/2017).

NACA makes affordable homeownership a real option for working people many of whom have neither perfect credit nor substantial savings. While the NACA mission is to provide affordable homeownership to primary low- to moderate-income people and those purchasing low and income communities, the program is open to everyone. There is no eligibility limitation based on one’s income, credit score or other criteria as long as the following four eligibility are criteria are met.

Properties must be located in areas where NACA provides services which are large areas nationwide including many states.

The purchase price must be less than the maximum purchase price which is sufficiently high for low and moderate income buyers and those looking to purchase affordable properties.

Homebuyer must not own another property when they close on the NACA mortgage.

Homebuyers need to participate in whatever way they feel comfortable and to adhere to NACA's policies and procedures.