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NACA is the best purchase program in America. NACA provides both comprehensive housing counseling and access to an incredible mortgage. NACA has over $13 Billion committed from some the country’s largest lenders with everyone receiving these extraordinary terms:
NACA’s mission is to provide affordable home-ownership to low-to-moderate-income people and communities. Thus access to NACA’s Best in America Mortgage is limited to low-to-moderate income people (“Priority Members”) and people purchasing in low-to-moderate income communities (“Priority Areas”). NACA’s eligibility is based on the median family income for a Metropolitan Statistical Area (“MSA”). Since NACA offices service a few MSAs each with different median incomes, you may be a Priority Member in one MSA and not in another. Also, check with the local NACA office to verify the purchase eligibility criteria, since there may be local adjustments to achieve NACA’s mission and affordable outcomes.
Your purchase price plus any repair escrow funds (i.e. for repairs to be completed after closing) cannot exceed your approved Maximum Mortgage Amount or the current conforming loan limits. The current limits are $453,100 for a single family home in most areas and $679,650 in high cost areas with considerably higher amounts for multi-family properties. (Click here for multi-family conforming loan limits).
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.
The first step in the purchase process is to attend a NACA Homebuyer Workshop which is open and free to everyone. Every NACA office provides a number of workshops each month with additional workshops provided in the Charlotte & Surrounding areas.If you are ready to move forward just click the button below and someone will contact you to get started and set up with the program.