NACA program guide

Buy a home through NACA

I'm an experienced NACA REALTOR® with 35+ successful NACA closings. I'll guide you through every step of this program, from the first workshop to your keys.

No down payment. No closing costs.
Why NACA

What makes NACA different

No down payment

Complete financing is available.

No closing costs

The lender covers closing costs.

No mortgage insurance

No monthly PMI payments.

No credit score

NACA uses character-based lending.

The NACA process

From workshop to keys

01

Homebuyer workshop

Your introduction to how NACA works.

02

Housing counseling

Work with a counselor on your budget and documents.

03

NACA qualification

Once qualified, you can start your home search.

04

Purchase workshop

Learn about contracts, inspections, and making offers.

05

Property search

We find a home that fits your budget and NACA guidelines.

06

Credit access

Final mortgage approval, then closing.

FAQ

Common NACA questions

Do I have to be a first-time buyer?

No. But you can't own other property when you buy, so an existing home must be sold before your NACA loan closes.

Priority vs. non-priority members

Priority members earn below the area median income and get the lowest rates. Non-priority members can buy in designated priority areas.

What are the rates?

NACA offers competitive, below-market rates.

Check today's rates →

Income limits and program terms change. Confirm current details with NACA.

Work with me

Ready to start your NACA journey?

Book a strategy call and I'll walk you through what to expect.