Rants And Gems 41: What you NEED to know about NACA

In this episode Matthew Garland and Quiana Watson breakdown how to acquire real estate with NACA. Andre Haynes and the NACA Queen herself Nadira Taylor discuss tips, tricks, and hacks plus the benefits of the NACA program. We correct common misconceptions of NACA and share why this program might be a great way to start off your real estate journey.
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rants-and-gems...
#naca #loan #2022

[@tammywilliams2631]

NACA is the real deal. I bought my home through NACA 17 years ago. The process takes awhile (1 yr. process for me) but it's worth it. I have a 2 story, 4 bedroom 3 bath single family in a suburb neighborhood. California Bay Area...My husband and I moved in 100% DEBT FREE.....It took 1 year for us to payoff ALL of our debt.

[@Renaissance125]

🔥🔥🔥

[@SHAWANABOYER]

Are you referring to your primary or investment property?

[@tammywilliams2631]

My primary. I still live in the home I purchased through NACA, 17 yrs later.

[@Enigma_408]

U can get a house here in the bay? Doesnt the naca loan have a limit of 720k or somethin ? If u can get back to me much appreciated

[@tammywilliams2631]

@@Enigma_408 17 years ago the Homes in the Bay Area were not this expensive. Depending on the size home you want to purchase, have you considered Bay Point, Antioch, Pittsburg, Oakley or Brentwood all have suburban neighborhoods as well. If you have children the best school Districts are Pittsburg and Oakley. The homes in Oakley are the cheapest because it's an extremely small but family oriented city. I was looking to purchase a second home in Oakley and asked why the homes were cheaper than Brentwood.

[@BrittanySmiles]

Let me tell yall it is worth it. I brought a 1 family my fiancée brought a 3 family (which ppl thought was werid because we brought 2 separate homes before we turned 30) now look at us. Our 3 family pays for both homes! God is good. Our friend just closed on a home with NACA. My mom 50 years old i basically forced her lol now she's getting a house! God is good please people do it

[@friendlytester6861]

Congrats! How did you find the 3 family?

[@BrittanySmiles]

@@friendlytester6861 NACA provides you a list of their real estate agents.

[@AmiltonLBaptista]

I like how she kept it real at 34:30. There’s absolutely NO WAY you can buy Real Estate without having money. Even with a No Money Down program.

[@MsFox2u]

NACA is the real deal! I closed in February 2021 on a 3 bdrm, 2 1/2 bath, 2 story home with a 1.375% interest rate after doing buy down. I never have to refinance. Next year, I'm going to invest some of my equity into some rental properties.

[@hoodempress9082]

Any updates???

[@MsFox2u]

@@hoodempress9082 Any updates in regards to what?

[@waldeezee870]

“ WHEN YOU OWN , YOU CAN OWN YOURSELF”

[@Renaissance125]

💯💯💯

[@joannjohnson8334]

Bought my first house through NACA. I was taught how to budget. I parlayed this information. Went out and got my first home. Several years later, I sold my home at 4 times the cost. Bought another home. My experience with NACA was life changing.

[@latoyawright5483]

Well Naca did me great I bought my home back in 2011 and my interest rate is 0.87%…. I have a brand new home built. It’s not a game. Right now I’m sitting pretty.

[@Renaissance125]

Same 0.85%‼️🙌🏾

[@preciousjapheth9568]

Please can you explain how you got your rate down to 0.87% ? With this rising interest, I'm trying to learn how I can get the lowest possible rate. Thank you

[@tanyaholland8542]

🙌 I am truly a NACA witness! I purchased my 2nd home (with a 1.8 %) through the NACA program. Even after I had a reprocess ion & bankruptcy after my divorce.NACA has been truly a blessing and I was allowed to guide someone else to purchase their house through the NACA program as well.

[@AshleyE2]

Could you elaborate? How did they allow you to keep the first home ? I was under the impression that you can't own a home at the time of closing through NACA

[@Howtospellmark]

I'm at the beginning of the process with purchasing my home with the NACA program, I plan on getting a 4unit property or better, the Goal is to never have to pay rent again and be able to invest in my career as a singer-songwriter, and advance to a mainstream level of a triple threat performer, Mark my words hold me accountable for achieving my dreams with this comment KZbin family. We can all achieve our dreams if we stay focused and around the right company to mentor us there. Namaste family

[@jimuneer_x]

All very true I was a mortgage loan officer for NACA in Cleveland oh. My mom also worked for them and bought a house in 3 months from start to finish. It can happen fast if your on your documents

[@shanellanderson9791]

The 10 step Documents that they request in the beginning for the pre screening or are there more documents that will be needed?

[@TooFunny927]

Shoutout to Cleveland 🫶🏾🥰

[@kenyathefrugal475]

Even though we did not go through NACA in the end, I really appreciate my NACA loan officer diligent efforts of promoting the multi-family game. I wasn’t ready. Now, I am practically demanding that my young adults leverage NACA to realize financial freedom.

[@Renaissance125]

🔥🔥🔥

[@J972M]

What roadblock did you run into & how's the process been now?

[@LynxStarAuto]

@@J972Mthe process now isn't much different. You need a 680 credit score. You should have at least 15-20k in savings liquid. This proves you can handle a financial emergency. You need to be able to prove income. W2's income tax returns, pay stubs. If you are self employed my advice is file as an S Corp, and pay yourself through payroll like a W2 employee. Your credit should be commendable. Meaning no current delinquencies, charge offs, or collections. Outside of that, it a matter of patience and going along with their requests, and system. It will take a while, so buckle up and enjoy the ride.

[@Yesy0105]

💥💥💥thank you so much💥💥💥NACA is such a blessing! I got my house in NYC THANKS TO GOD AND NACA 🙌🏽

[@kamaria07]

How long was your process?

[@Yesy0105]

@@kamaria07 I had credit related things to clear up w my student loans so my process was a bit longer (about a year) but when it was all said and done …my credit score improved, my expenses were limited, my savings were on point and I even bought down my interest rate to 2.5%. I was prepared to be a successful homeowner. It’s been close to 3 years ☺️

[@PrissyKrissy15]

I’m currently under contract for a home with NACA and it has truly been a blessing for me as a young person with one income. Definitely a trying process but with patience and dedication it has truly been a learning experience for me as a first time homebuyer.

[@Renaissance125]

Love this 🙏🏾

[@sophycarter6747]

How much did you have to be saved

[@PrissyKrissy15]

@@sophycarter6747 they give you the mandatory required funds amount based on your income and target mortgage amount so it differs from person to person. But they want you to have 2-3 months of mortgage payments saved

[@Dreamsareareality]

This is awesome. I am in the process too. I have my 3rd session next Friday. ❤️💜

[@PrissyKrissy15]

@@Dreamsareareality yay!! That’s really exciting and hopefully they have great news for you then!!

[@sharna5585]

NACA actually have an amazing story behind the company. I encourage all to sign up and attend the virtual course.

[@Renaissance125]

💯💯💯

[@StopSelfDoubting]

I read up on it a few days ago. Excellent.

[@shammaraausby3099]

April 22 i closed wirh naca with a 1.375 interest rate. Great program.

[@maggiew5382]

NACA is an amazing first time home buyers program. I would recommend this program to everyone. The NACA councilors are very knowledgeable. they help you with all of the steps of getting approved for your first mortgage! They will help you maintain a budget so you know exactly what you can afford to pay for a house. The work is tedious to become NACA qualified but is definitely worth it!

[@angelacoleman2673]

I need more information.

[@dr.marlinedorcinvil9663]

I just want to say I have probably shared this video 30 times with people in my life. The Information is amazing and realistic, thanks so much for sharing

[@qmakesithappen]

What a fire episode!!! That boy Dre was cookin!! 🔥🔥🔥 love how sharp Nadira was as well! Such wealthy conversations should continue forever from our people 💯🏁

[@Renaissance125]

💯💯💯

[@MsFox2u]

Love Andre's gem! Great advice regarding NACA. It requires time and patience. If you have neither, then NACA is not the program foe you.

[@EloraMae26]

Thanks again for your info I remember I registered back then with NACA both about 2 years I'm going to give them a call and update my thing and get me a house, really need something to call my own now!! So I can say yes!! thanks to God for NACA.👍

[@niellecook8277]

No lie, yall changing my world.. One day I'm going to show everyone how this has changed the way I do things.

[@niellecook8277]

Ok so follow up: we have started the NACA program in Los Angeles. We’re making sure we update our newest bank statements and everything as it comes. So very excited. I also have told all my siblings and clients that don’t own a home about the program.

[@sheltonlovesr.8941]

“When U own U own yourself” I love that

[@alona724]

For the most part, he is dropping jewels it took me two years to learn. One extra tip is get an LLC on day one… (for multifamily landlords) so in a year or two you can start applying for business credit (after you follow a few other steps… search KZbin videos). I didn’t get an LLC until a year and a half in. They don’t count that time… they count when you got your LLC.

[@Renaissance125]

💯💯💯

[@creativemanifestation8295]

That was a jewel but it's said business credit doesn't even take that long.

[@alona724]

@@creativemanifestation8295 now it doesn’t! I just got approved under my six-month old LLC. I’m hearing that businesses even younger than that are getting approved. Times have changed for the better for sure.

[@StopSelfDoubting]

NACA told me you can’t buy property under your LLC through them.

[@alona724]

@@StopSelfDoubting that’s correct. It’s an owner-occupied loan. What I’m saying is if you have a multifamily that you purchased through them, you can start an LLC… that has nothing to do with NACA. We’re not talking about how you purchase the property but how you manage the business aspect of multifamily real estate investing. I’m not an attorney or accountant. Research what’s best for you. Hope this helps.

[@michellelaster5182]

Great episode! After watching I scheduled a slot in an upcoming NACA webinar. I want to want to give a compliant to Quiana. I think she looks amazing! Well dressed with a great attitude. I would like some tips and tricks from her.

[@J972M]

Compliment * lol

[@itsallbiznz155]

I worked for NACA for over 4 years in California and NACA is the real deal...

[@cherlprofessionalservices]

Thanks I have started my NACA Application----Lots of work but will proceed. #Gointhroughtheprocess!

[@michelleramirez9968]

Former NACA in house realtor here 🙋🏻‍♀️ TEXAS.

[@danflythink]

Was able to go through the homebuyer's workshop and first consultation. Without a doubt, the program takes a lot of due diligence and documentation but the program is well organized. Staying connected with your counselor and following up with them constantly will ensure a smoother process.

[@darrickmeek5531]

Great valuable information! It's funny because I was talking to a friend about getting into real estate and ironically she mentioned the NACA program to me and then I stumbled across this video. So this was great to watch

[@deanakjefferson9278]

Y’all are funny entertaining and educational I love what you’re doing for our people to assist BIG UPS😘

[@janeesmaw6424]

I’m going through the NACA program now with my family. I’m telling you the process has been extremely tedious. You can’t beat the interest rate and no money down. But it comes at a cost. You are required to have 6 month reserves for multi family properties. And they aren’t the easiest to access when you need an immediate question answered. I really think it depends on what state you live in as well. Because in CA, the areas that are qualifying are not the best neighborhoods. They are really working to revitalize the community. So, you have to be patient.

[@kendraseer5198]

Sounds like they want investors to revitalize neighborhoods & investors do not sell property

[@miagray3815]

naca has a forum with helpful admins that answer questions plus other members who ask and answer questions they helped me alot.

[@friendlytester6861]

How do you calculate the reserve?

[@audriannamonroeseifert2470]

That is why getting some kind of warranty is so important. A lot of times electric and water companies will offer warranties that you can purchase protection plans that cover the interior and exterior pipes. You can also protect your electrical lines inside and the outside of the home. It is so worth it and you can write it off as a business expense every year. #FACTS

[@Itsadivinething]

What people need to understand is he said that he bought his rate down to 0.8 for 40k... that is not typical for someone trying to buy their first home. Unless you plan on staying in that home forever and never refinancing go for it but if you will eventually want to do a cash out refi you are better off taking a higher rate and putting that money toward your balance. What would you rather do put 40k toward your balance or just give 40k to the bank and lose out later????

[@awesomegirl97]

Because that’s what he wanted to do

[@sharna5585]

Starting applying for NACA

[@maurishaallen1232]

I appreciate this episode. Wish Dimond Mine was in Cali already.

[@nadiaw.7229]

This was absolutely the best KZbin video I've watched I love the rants and gems. The knowledge 👌

[@kenyathefrugal475]

Let’s talk about NACA! If you have patience and follow-through, they can be a great tool to real estate ownership.

[@Renaissance125]

Facts

[@Honeyyyy-Dew-Tiff]

OMG ! I Love it! I wish I can find someone like her for Houston, Tx.

[@sashaclarke2749]

That’s was where my 1st appointment was.. Now in NC.

[@andreanalife]

I wish she serviced NC because she is a pro! Have not found that skilled professional here! Its definitely stressful when you don't have a good counselor

[@artofsoundentertainment8145]

What part of NC you in? I'm in Eastern NC and I'm going to start calling this week to find a NACA Agent.

[@freshboy2015]

I had the same experience My counselor in Raleigh canceled my second appointment because she was not going to be in and never called us or replied to our emails . Luckily we use that money she told us to save every month and got us a house

[@guymartin161]

It is best if you use a NACA in house agent that work with NACA clients only. You can use an outside referral agent anytime you want though. Everyone in this video was great!!!! I believe the realtor on the second part of the video is what we calm a referral agent that works with everyone!! But she has a ton of experience working with clients using NACA.

[@lassali1427]

NACA SUCKS

[@sashaclarke2749]

@@freshboy2015I’m going to the Raleigh location as well, just not looking forward to it… I remember the rudeness and the many of people that wanted to ask questions and couldn’t…😩😳🤷🏼‍♀️

[@unieklymayd3932]

I’ve been working with Naca for over 2years 😩😩most frustrating experience ever!! Also my counselor stated that $14,000 is needed for a quadplex so it’s not free.

[@soniablount2135]

I am in the same boat here in Philly I completely understand

[@jills911]

That money doesn’t go to NACA. They want you to hold it in an account for YOURSELF for building repairs and maintenance. They don’t want you to become a multi family property owner who has to go into foreclosure because you don’t have enough money for repairs and maintenance on your building.

[@DontworryImnotpolitical]

I was under the impression that if you had a NACA Mortgage, you could not hold any other properties in your name.

[@alona724]

So, it took me about that amount of time. Preapproval was very speedy because I was well-qualified. However, changes in their policies made me have to change up my game plan a bit. BUT, it did not cost me any extra money just because it was a triplex. The $14,000 is likely the reserve money you need to have on hand. That’s what would be required anywhere else. It’s worth it. Figure it out and get it. If you have a 401k, you can use that as your reserve money. At the time I did it, they were saying it must be liquid. But, they ultimately changed that rule… so the money sitting in the 401k qualifies. You could get some money gifted that sits in your bank account to qualify for the reserves. What you do with it after closing is up to you. There were some minor fees.. but it was so little… I can’t even remember. It was nowhere near thousands.

[@alona724]

Also… you do have to put up earnest money… just to show you are serious. Each market is different. I only had to give $1,000 in STL

[@audriannamonroeseifert2470]

This was so incredible because REPRESENTATION MATTERS!! God bless that young dude!

[@PierceCalloway]

You can't use this naca program to buy an investment property, or a 2nd home for yourself. If you own other properties, naca isn't for you. You can absolutely buy 2 or 3 unit condos/duplexes, live in one of them, and rent out the rest. It sounds like a great program for first time homebuyers.

[@jasminis.]

Another major factor that NACA considers is payment history.. I recently worked there.. your payment history over the past year held more weight than your actual credit scores. The process is certainly tedious, but with today’s interest rates, I would certainly suggest their program. The interest rates are always lower than the market.

[@catrinacrystallina]

Is it true that you need 3 months of bank statements or is it more for those with W-2 forms? I know the irs documents are required for two years.

[@Original_jataro]

Appreciate y'all for creating and sharing this content! I'm so enthused to apply these gems to create my financial freedom!

[@umeumeume]

Gemssssss!!!!! I have 4 family members going through NACA and I believe they are in good hands.

[@Marie-fx4wh]

I like the knowledge that Nadira have. I did will reach out to your office to help me find the right loan and is a NACA expert.

[@paulmarshall1178]

Investing in different streams of income in other not to depend on government for funds and avoid all the chitchat about the inflation.

[@jamiehaynes3607]

I have about 5% of my portfolio in bitcoin any advice on any other crypto currency that I can grow my $30k?

[@alexandermaxwell3840]

The crypto market is highly profitable with an expert broker just like Mr Michael Saylor. I got recommended to him and since then my financial life has been a success.

[@fredrickpeterson4382]

Wow I know Mr Michael Saylor. I met him at a conference in The Dome at America's center Life 2016 where he introduced us his business strategy, he helped me cover my losses trading myself.

[@markguyder6122]

Trading crypto with Expert Michael Saylor has being a game changer for me

[@patrickmartin2894]

Please I need someone to help me trade or invest the Forex or crypto market, I'm tired of trading and looses myself. I've blown my account twice and it's frustrating

[@hopeislovely4467]

In 2013 NACA did not help me save my house I sat for 4 hours applying and NACA Turned me down. fast ward 2022 I’m good.

[@norawashington2756]

I love the truth! He said it’s not all glitz and glam, properties break down too. The internet will have you spreading thin

[@Renaissance125]

💯💯💯

[@whoknew5940]

This is so real. I quit Naca twice...it must be made for me to see this.... Congrats to you bro & sis!!

[@sashaclarke2749]

I quit twice too, got good reasons…

[@awesomegirl97]

@@sashaclarke2749 What was your reasons? I’m currently going through it now.

[@mslaureano6230]

I Love how he keep it real!!! Thank you!

[@Dreamsareareality]

I am so happy to watch this video. Shout out to the gent with the building outside Chicago. I am with you in the burbs of Chicago. I am in the program too on my third meeting. ❤️💜

[@jencolter1785]

Blessed. This showed up in my stream. Life. Changing.

[@maurishaallen1232]

Great episode so far. So many gems.

[@Qrd591]

I bought a home through NACA 2yrs ago. I was blessed to pay it off quickly as the group had me safe alot during the long process. When I asked about them removing the lien I got into so much trouble. Most of women at NACA are super rude and will literally insult you for a genuine question. They would keep telling you "you could have asked us" but isn't that what I did?

[@tahntalus]

Once you paid off the home why didn't the lean just fall off??

[@Qrd591]

They didn't like it that I paid it off before 5yrs are over. It got nasty quickly. I was accused of mis using the system. That I had bought home to make money of. Any genuine question I asked was rudely handled.

[@alikarturner]

This episode is a God send.

[@Renaissance125]

🙌🏾

[@JamesWilliams-vx5uo]

NACA’s the real deal! I am an ex New Yorker and was in my new house in Tampa within 6 months. 2% interest rate!

[@StopSelfDoubting]

Is it better to buy your personal home first then rental investment Multifamily next through NACA??

[@dalilaflintroy3259]

I really enjoyed this episode - so much information. I'm going to go through the process. I know it's going to be ruff but I'm game🙂

[@alona724]

You can have negatives on your credit and even an eviction. They may ask for explanations. Ask your counselor for more information. It just depends.

[@mdn459]

Thank you for the valuable information. However, I have a concern regarding the phrase 'NO MONEY DOWN.' While I appreciate the intention, it can be misleading as buyers often need funds for various expenses like taxes, insurance, and escrow. It might be more accurate to clarify that the money isn't solely for the property purchase. I believe it's crucial to ensure transparency in these matters. Perhaps regulatory bodies like FINRA could consider guidelines to prevent such misleading statements within the real estate industry.

[@textalexanderliamhacksonig8553]

Thanks a million times Alexander Liam hacks. What a privilege and blessing it is to have him in my life. I am forever grateful.

[@jmatos7872]

Not even all the way into the episode and it’s amazing.

[@hitalexanderliamhacksonins5619]

I am so very very lucky that I also have an officer so very considerate as well as so very accommodating people in my very life who could actually be so very helpful by lending me with money in my such a difficult times,

[@katbelfanm3400]

This was definitely a gem! I’m motivated

[@FranciscoO-p3s]

I would appreciate an updated video because any information from someone who bought prior to 2020 may no longer be relevant in today’s market

[@SW-kd9fx]

Amazing episode like always so many Gems!! Thank you!

[@blackbutterfly1517]

Andre Haynes gave great info!

[@lmurjohnson9684]

I respect his energy 👍🏽💎

[@Gem-I-Am]

The knowledge in this video!!! yess!!! thank you.

[@oorkomstyg7029]

Thank ya'll for this very useful information !!

[@tusoboothe6107]

This was incredible

[@Renaissance125]

🙌🏾

[@ransomepeterman3483]

@ 40:35 ... there isn’t a minimum Credit Score when using the NACA Program. It is Character Based Lending.

[@azaisjournal3005]

I wish Atlanta had multi units homes 😮‍💨

[@day2daywithkay644]

There is a section on the NACA website for homeowners... do they do refinance? I'm finding conflicting info...

[@destinybomar]

Incredible session. I never knew plumbing could be $30k though 😅

[@jills911]

NACA doesn’t have a credit score requirement based on what my counselor told me two weeks ago.

[@alona724]

Yeah that’s what they told me two years ago.

[@miagray3815]

they don't hv a credit score requirement but they do look at your credit report specifically the last two years. no negatives and three positive trade lines

[@iristinajohnson8887]

What if you have a car note you're not paying rent but you are working do you still qualify

[@antoniaprovost4562]

The NACA program is an awesome opportunity to attain homeownership. I’m currently in the process and it has truly been a learning experience. I am excited about the opportunity to own my first home. Although a trying and long process, with patience, dedication, and support from the NACA team, I am looking forward to becoming a first time homebuyer.

[@davital.washington7416]

What about the lien they put on your home. They say you can’t buy another home as long as you have a NACA mortgage?

[@cbrown7281]

Stay away from NACA loans…. Save for your down payment 3%, 5%, or more; then buy. NACA loans will have an extra lien (2nd mortgage)on your credit profile; that will be due when you refinance, when you sell your house, or on the back end of the mortgage (5-10 extra years on the loan).

[@YeahISedit]

This not true lol you just have to notify NACA that you’re selling like I did it’s removed with no issue

[@waldeezee870]

I mean would’ve refinancing be a good idea since you’re now not with NACA if you do? Plus you pay them back what they lent you with the REFI and keep a property and potential equity? Or am I wrong

[@devaughedavis1066]

Can you explain your comment through

[@alona724]

So… are you speaking from experience or rumors? The second lien is for five years (I believe) and descends from $25,000 first year, $20,000 second year,… until $0 last year. BUT my understanding based on internet research and a response in the forums, is that only comes into play if you sell the home… meaning you don’t own it anymore. If you refi and still own it I believe you can email them and they will release the lien. But, it is hard to get confirmation.

[@guymartin161]

Mr Brown you are incorrect! The lien is NOT in your credit profile. It ONLY shows up when someone is selling the home, doing a refi or trying to get a home equity loan or heloc. As of March of 2021 their is a expectation/ requirement to live in the home at least 5 years. If you so that the lien is released with no problem. If you sell if refi earlier than that you are required to pay a portion of the 25k to NACA. Every year you live in the home the amount of the lien goes down 5k until 0 in year. Every case is looked at individually but they is the rule.

[@___shaishayshae__]

Loved this video thank you guys for doing this it’s more appreciated than you know

[@Renaissance125]

🙌🏾

[@williamsmith3331]

If we're approved, how long must we reside in the home before selling or renting it out?

[@duwanbartley9470]

Their is a 25k loan put on your home once its purchased. The way it works is each year for the first 5 years. 5k is deducted from the initial balance of 25k. so pretty much after 5 years you can move out penalty free. If you move out before 5 years then whatever balance is left of 25k will be due at closing or taken from the equity if any is available at the time. This was how it was explained to me. I hope this helps

[@lorigeorge708]

I would love to purchase through NACA. I have all the documents that they need except for great rental history. I had to apply for CHAP due to covid. I was on time until then. Would this stop me from being eligible.

[@angellesupastar2904]

I am so glad to see this.

[@Renaissance125]

🙌🏾

[@SharlyneCarla]

I appreciate this valuable info - Thank you!

[@MissVirtue35]

I have a close relative who is in the process now in Philly and she does have to put out fees… approx. $4k…

[@RaymondSun-x6r]

You guys are flipping genius 🎉❤

[@michaelmonroe4842]

That you for sharing the information and being pure

[@lisadabney69]

Hi I am married on the deed of the home but not on the mortgage. My husband's primary residence is now in Mississippi does this disqualify me for the Naca program?

[@laurammm1128]

Thanks guys for the video 🙏

[@dariusadams1272]

I did the same thing as the guest with NACA. But with doing the rehab to the building I purchased. But their process is slow!!!

[@Renaissance125]

Yea the hand department is hell

[@dariusadams1272]

@@Renaissance125 there were some mishaps but nothing compared to the loan mortgage process, in my experience.

[@dariusadams1272]

@@Renaissance125 One thing I wish they would have told me is that I could be reimburse for work that I got done instead of relying on contractor and going through their slow process.

[@mandym5289]

In Maryland I was told credit score doesn’t matter.

[@Mrselective4444]

Thank you for the gems 💎

[@LeslynFairfield]

What is the minimum income requirement? How much $ do you need to have saved? NACA always dodges answering this.

[@TheAlchemicalProcess]

He was too real for me not to take any of this seriously.... I gotta get back focused on NAACA

[@worthingtonlatese]

This was sooooooooooo amazing! Thank you!

[@Renaissance125]

🙌🏾

[@MariaFord12345]

I bought my home with naca in Aug. 2009, with an interest rate of 0.125%. Now, I am selling my house, but, the interest rate is high with naca now, 2024. I am not sure what to do. I have to sell because my life has been threatened. I don't know how low you can take the rate down And naca said they don't what the rate can be taken down to. I am looking for a multi unit And it is hard to find them down in Georgia, except for the very bad areas.

[@Godhasanswered]

Is NACA in Minnesota?

[@harijotkhalsa9496]

If you just bought a house and have little to no equity will NACA approve you to get another property?