NACA Program


NACA is a non-profit organization, created in the late 1980s and offers the best home purchase program in the United States. They provide free, personalized, and comprehensive advice to everyone, to analyze your credit, financial hardship and help you determine a mortgage payment you can pay. 

From my point of view, Naca’s program offers an extraordinary and incomparable mortgage product. The NACA mortgage is unique and most importantly, everyone here receives the same conditions regardless of their credit score and without requiring a high sum of money to be able to carry out the process, which makes it affordable to buy a home for all the people who want to buy with the best advantages and benefits that are on the market.

The characteristics of the NACA program to buy house are:

  • Without down payment
  • Without closing costs
  • Without fees
  • Loans fixed rate for 30 or 15 years below the Interest of the market
  • He does not need Perfect Credit
  • He does not have to pay mortgage insurance (PMI)

The Naca program has established a very effective process for you to work through it. They have created a custom page called an electronic file for each buyer. Your electronic file is specific to your circumstances and provides you with up-to-date information, as well as the status of your loan approval, as you work toward the purchase of your home.

Existing buyers can access their electronic file, using their NACA Id Number and password. After a new member has completed the NACA seminar and the information has been entered, they can access their file at any time.

As an expert Real Estate agent in the NACA program, I can assure you that there is no other loan program as Naca, with so many benefits, with interest so low and with the opportunity to buy a home that if you can pay over time. But don’t think you qualify overnight.

Naca want to be sure that you are prepared to take on the challenge of buying a home, therefore the loan approval process can be a little more delayed than in other programs. However, when you get the results and reach the finish line, NACA buyers always say the same thing: It was worth the wait!!! 

For over 12 years I have helped hundreds of families buy a home with this wonderful program. I myself had the fortune to buy my house through Naca program with an enviable interest rate and a low monthly payment.

As an expert, let me guide you through the process to make sure you meet all the necessary requirements to ensure your loan approval. Remember it is not about buying but know how to buy!

Who’s Eligible for NACA program?

Everyone gets the same incredible terms, including the below-market interest rate, regardless of their credit score or other factors. The program also provides free, comprehensive housing services.

The program counsels Members into the extraordinary NACA mortgage using character-based lending criteria that takes each Member’s circumstances into account to determine whether they are ready for homeownership and what they can afford.

NACA is the best option for people who have been discriminated against and those who have neither perfect credit nor substantial savings. Everyone who meets the below criteria receives the same extraordinary mortgage terms.


  • Member or anyone in the household cannot own another property when they close on the NACA mortgage.
  • Member must occupy the home as long as they have a mortgage obtained through NACA.
  • Members need to participate in voluntary activities like assisted to the workshop and help or give a testimonio.
  • Members must adhere to NACA’s policies and procedures.
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