NACA fights to close the racial wealth disparity gap through character-based lending. We take our members’ circumstances into account to help make affordable homeownership a reality.

NACA is the most successful private sector initiative in providing affordable homeownership. NACA’s Purchase Program provides comprehensive counseling with the option to access …

Your NACA Counselor will work with you to become NACA Qualified with access to the NACA Mortgage. Together, you’ll review your current financial situation reflected on your budget and …

The current annual membership fee is a nominal $36 per household, prorated at $3 per month, for as long as the Member is in the Purchase Program and has a loan through NACA.

In the Mortgage Options section, various mortgage products are described. The details of becoming NACA Qualified are also provided. NACA Qualification is required to access the …

Unlike with a conventional loan, with NACA there are no upfront costs or fees, no down payment, no credit score requirement, below-market interest rate with a an aggressive buy-down option, …

NACA 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 …

To be NACA Qualified, Members must complete the NACA full documentation qualification process. The first step is to attend a Homebuyer Workshop, followed by the completion of …

You have access to NACA’s comprehensive post-purchase program through the Membership Assistance Program (MAP), free of charge for as long as you have your NACA mortgage.

Get Started with NACA PURCHASE PROGRAM – BECOME A HOMEOWNER Individualized, comprehensive program to access the NACA mortgage. The first step is to attend a …