NACA Program Guide
As an experienced NACA REALTOR® with over 35 successful closings, I guide you through America's Best Mortgage program.
Why Choose NACA?
No Down Payment 100% financing for all buyers.
No Closing Costs Lender pays all closing costs.
No Mortgage Insurance Save hundreds every month.
No Credit Score Character-based lending.
The NACA Process
A comprehensive roadmap from workshop to closing.
1. Qualification Phase
- Homebuyer Workshop: Introduction to the program.
- Housing Counseling: Budget analysis and action plan.
- NACA Qualification: Become "NACA Qualified" to start searching.
2. Purchase Phase
- Purchase Workshop: Learn about contracts and inspections.
- Property Search: Work with me to find your home.
- Credit Access: Final approval for the mortgage loan.
Frequently Asked Questions
❓ Do I have to be a first-time buyer?
No. However, you cannot own any other property at the time of purchase. If you own a home now, it must be sold before you close on your NACA loan.
❓ What are Priority vs. Non-Priority Members?
Priority Members earn less than the median family income (approx. $139,700 in DC/MD/VA) and receive the lowest rates. Non-Priority Members earn above the median income and can buy in specific "Priority Areas" to receive the best terms.
❓ What are the current interest rates?
NACA rates are typically below market. Click here to check today's rates.
Ready to Start Your NACA Journey?
I am an outside NACA REALTOR® ready to assist you.
