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.

This section describes NACA’s comprehensive counseling and steps for purchasing a home through NACA. If you follow these steps, you will become a homeowner. The more preparation you do, the sooner you will be able to purchase your home. The overview below is followed by a detailed description of each step.

NACA provides its unprecedented homeownership programs in all fifty states as described below. NACA is the largest and most effective HUD approved counseling organization providing between 20% and 30% of the total housing counseling in America.

Home Save Program For homeowners with an unaffordable mortgage, NACA provides the most effective program to reduce the interest rate and/or principal to achieve an affordable payment. Find out how NACA can help you Get Started

REGISTER FOR THE NACA HOMESAVE PROGRAM Signing up below is the first step in the HomeSave program for at-risk homeowners needing an affordable mortgage payment or homeowners needing funds to make important repairs.

Contact NACA's HomeSave Department at 281-968-6222. An advocate is assigned to assist you in achieving an affordable modification. Click here for next steps. Start the process by inputting your information through our website. There are ten sections that require personal, property, mortgage and financial information for you and co-borrower (s).

To access the NACA Mortgage you first must become NACA Qualified. NACA’s qualification criteria are designed to take into account your individual circumstances, to determine whether you are ready for homeownership and what mortgage …

Get an affordable mortgage payment with the help of our Home Save program. Our advocates can help you for free, whether or not you got your mortgage through us. Already have an account? Sign in. Unlike a refinance, mortgage modification can change the interest rate or term of your current mortgage.

Apr 1, 2025 · The NACA program is a special mortgage with no down payment or closing costs. See how NACA can make your dream home affordable. Learn more.

The NACA program offers a path to homeownership with no down payment, no fees, and below-market interest rates. Learn how to qualify, the pros and cons, and alternative mortgage options.