How to Buy a Home With No Down Payment & No Closing Costs, The NACA Program Explained

In this episode, we spoke with real estate investor Andre Haynes. We discussed everything you need to know about The NACA Home Buying Program, including how to invest in multi-family properties through the program. We also discussed what they don’t tell you about real estate investing, house hacking, landlord tips and more.
We detailed the benefits of NACA, which includes the ability to buy a home with no down payment, no closing costs, and no mortgage insurance. #naca #realestate #homebuying
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[@themessenger2]

I can testify to everything they said about NACA. I purchased my home in 2019 through NACA. I was also able buy my interest rate down to 2.125%. I tell everyone I know to look into Naca if you are looking to buy a home. Great program!!!

[@Renzov12]

Dope bro me n my lady are looking right now

[@d.edwardsfreelanceeditorvi4212]

I plan on using NACA. I have to wait for my tax person to finish my taxes. I dropped the ball on that. How long did it take for you to go through the process?

[@ClariFlaka13]

2019 is the key word there. @Lookmedia100k

[@chalonw]

@@ClariFlaka13 And if you continue to the comments another guy commented that he purchased his home through NACA in 2022

[@DetwanHarris-ii5rz]

If your credit score in the 500 rage it's probably going to be a no? 😂

[@rhondahill7825]

Got my Home from the NACA program, 1.125%, but I did put 20,000, to buy down my interest, they say it's no down payment, you will not get a house with no money, but this program, help me save, bring up my credit score, and I still follow the same budget plan, you have to have your ducks, in a row and be determined. It did take me 2yrs. to complete, because I stop and start. It works if you work it. 🖤🖤

[@ClariFlaka13]

Big facts. Earn your Leisure Lookmedia100k

[@ChantelandPhilip]

This is the one for me. I study Real Estate, I am a licensed loan officer in NC. I am always telling people how buying can change your life. This guy tapped in to one hell of a deal.

[@AB-bz4mf]

Hi, do you live close to Charlotte NC? I would like to use your service as loan officer. Thanks

[@BrielFassa]

Everyone should watch this 2 times after this initial premiere shoutout to EYL and this gentleman

[@RashadPrince]

+1

[@bridgettejeanettereality885]

Im the ONE and ONLY IN-House Real Estate agent with Detroit NACA ( Detroit Metropolitan area. (We only have one here)...... . You DO NOT NEED a 620 credit score!!! Where is that coming from? Please stop spreading mis-information. Credit score does not matter. I wish ppl would stop saying that, It will stop ppl from applying to the NACA program if they believe they need a 620. Also you can buy down interest rate to 0.125% .You 100% do not need a 620. I'm @BridgetteJeanette aka Bridgette Cooper Realtor and I approve this message.

[@tiffaniebeal8571]

Hi Bridgette, I'm in Detroit, I'd love to speak with you. Thank you. ✨️

[@ClementTownsendMedia]

Bought my first home through the NACA program in June 2022. The process was cool.

[@Kryssy_365]

I’m currently going through the process myself. But it seem to be difficult to get answers when your counselor don’t respond back to you or when you call in, the reps. don’t know anything. Would you mind if I reach out to you and ask you a couple questions? I don’t have anyone around me that has went though the program.

[@inspirationconnect23]

This guy is super confident and really humble at the same time! I love how he told the guys how he is following their blueprint. A lot of people don’t always admit that. Lots of good information. I felt his passion! Thanks EYL.

[@CHARMINGGNYC]

My boy just happy to be getting interviewed by EYL. I love it.

[@God_of_Apokalips]

Just spoke with a realtor and two lenders, they weren't even aware. I'm bout to use it now and spread the word. Man we need this shxt fr 🙏🏽 Game changing knowledge.

[@tiffaniebeal8571]

God led me here... i swarched for more information about NACA because i heqrd someone mention it but said they would teach a class next month. So i went on my own journey and here "I Am". God, I Thank you. Blessed to everyone here 🙏🏾 💜✨️

[@Riggsnic_co]

The issue is that either the renter or the owner must in some way pay insurance and property taxes if they want a "permanent roof" with utilities like electricity, gas and water. Because of this, many people-at least in California, where I currently reside-are living in tents. No taxes, rent, mortgages, or insurance. The number of people who tell me they live in their car that I meet amazes me. Its crazy out here!

[@hermanramos7092]

It’s getting wild by the day. The prices of homes are quite ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%). Sometimes i wonder if to just invest my spare cash into the stock market and wait for a housing crash or just go ahead to buy a home anyways.

[@martingiavarini]

I get such worries too. I'm 50 and retiring early. Already worried of the future and where its headed, especially in terms of financies and how to get by. I'm also considering making my first investment in the stock market, but how can I do so given that the market has been in a mess for the majority of the year?

[@bob.weaver72]

That's fascinating. How can I contact your Asset-coach as my portfolio is dwindling?

[@martingiavarini]

Credits to 'Natalie Lynn Fisk' she has a web presence, so you can simply

[@bob.weaver72]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@Her-NyJah]

NACA is a character based lending program - and there are some compensating factors. So if you have one late payment, we ask you to right Letters of Explanations. Don't be discouraged if life happens and you have one late payment.

[@ms.v8616]

This young man is so damn intelligent, and they say brothers are not doing nothing out here. I think all black people who are looking for a way out of poverty and really want something really needs to listen to this channel. As a beautiful black woman I have to say that I am so proud to listen to this podcast. Thank you Brothers all of you. Thank you for this.

[@stacyjohnson7395]

EYL is the BIGGEST‼️ in this interview they asked ALL the right questions👌🏾👍🏾👍🏾

[@QueenNeLee]

Man this black king really schooled me. I recently took the home-buying class with Naca but haven’t finished uploading all my documents. Man let me get to it! I wish we had nice multi-units in New Orleans but I’m not really tryna purchase anything in my own home town 😩

[@saturenagail7781]

I don't think you have to buy a home in the same town, my girlfriend went through NACA training in Philadelphia but bought her condo in Virginia.

[@KINGYAH-SEER5777...]

HE SAID-YEAH BRO, I'M REALLY OUT HERE GOING CRAZY... SHARING IS THE MOVEMENT IN MOTION 🔥💯✔️👑💞

[@therealempresslorrib8111]

I stumbled upon this video by God’s Grace 🙏🏽Thank you Brethren

[@lesmedia94]

The knocking shit off the desk to get NACA to cooperate is da gem. Truth

[@lvickers966]

This is a great episode. Ive been through the naca training and still learned new things from this episode!

[@Kryssy_365]

Question. I’m going through the program myself right now. Do you thing I can reach out with a couple questions?

[@angelasalinardi9287]

This is such phenomenal content. This is answering exactly what I have been trying to figure out. I just had no idea where to start.

[@alfila2013]

Most people that I talk to don’t have a problem with the down payment. They have a problem with income verification and work history if you catch my drift

[@thegoldenchild-ou8lr]

Happy for you Dre.💯 Representing Maywood’s FINEST… ❤️

[@chypbytes2328]

One of the best interviews I've heard in a while. Thanks EYL!

[@rawwill3]

Another very good brother sharing valuable information. Thanks for sharing guys!!!💯

[@NicoleHatchRealtor]

Thank you for this video. This is so necessary for people to understand that mindset is the top contributor to our destiny

[@Vanityofvanityallisvanity]

Love the energy Andre brought. Super zealous 😆 Love It! Great questions and info. Thank you!

[@RealEriedianCastrelo]

His mindset is so powerful. You get to see others people’s greatness as an example of what you can achieve NOT what you CANT do/have

[@22Ronice]

He’s worthy of ALL THINGS !! Facts

[@MargoB115]

Thank you so very much for this valuable information! Each one reach and teach one! I love seeing us thrive and flourish!❤

[@richardbigouette3651]

Since the most recent property appraisals rent is now equal to typical mortgage payments. The main difference is upfront costs and maintenance that comes with purchasing a home that throws off most people. Learn to fix stuff in your rental and put the parts used to your rent bill.

[@laquitapierce9781]

I love his journey…just beautiful. Congrats Bru and thank you for dedicating your time for the youth 👏🏾

[@sarinawatson3]

God always takes care of me. He sent me to this channel to learn and manifest. ❤❤

[@tiffaniebeal8571]

Ase

[@xo32133]

Great interview and great info. I signed up for the workshop in my state and will be trying to go thru the program to secure a house by next year.

[@orenstephen5160]

Inspirational!!!!!!!!!!!!!!!!!!!!!!!!! Great interview! This is a situation that a lot of people need to hear.

[@timboslyce1290]

This Brother is Very Knowledgeable

[@convowithcino]

NaCa is definitely a great program!!

[@EarthlyEaysia]

Protect these men! ❤

[@derrickjohnson2889]

🔥🔥🔥🔥🔥 Great Job bro! Happy all your hard work is paying off! Keep going keep growing many blessings, many more plays to make! Keep being the example! Great platform, great interview!

[@jasminesanford9079]

Yepppp I’m from chicago as well and have had the honor of meeting 2 of the 3 of you Gods puts me in different rooms early

[@katmcc76]

I would seriously like to build a community for minority homeowners in my city in Florida! This is definitely not heard of hear, but I believe it's possible!

[@brandilocs4657]

KEEP PUSHING. I'm in Memphis trying to figure out how to put my ppl on and I feel like naca is vital to my process!

[@Bubbles-qh7ez]

Naca is definitely being used in fl

[@purplecarter8771]

Money is fake!!! 🤨 learn what money is? What is a negotiable instrument? Learn who has interest in your securities!! We are NOT born with Bad CReDiT!! I will pay somebody a Hundred Billion Dollars 🤦 which is fake 🤮 if they can prove to me that I am not worth however much equity I deserve 🤨…. You have gifts since birth!! Babies are Gifts from God!!! They stole our Gold and Silver!!

[@portiacue5320]

Thank you all. You are all answers to prayers.❤

[@julysalnave798]

I Love You Guys… Immensely! Also, I Will Be On This Show… Not Only To Inspire But To Definitely Pay Homage! #PushingPositivity💗

[@Kelem04]

Im from Chicago and understand his lingo completely

[@nshell2714]

NACA is like the MLM company of the mortgage industry! The product is stellar but the operations need ALOT of improvement and structure and few yield the success story. While the guest makes a point that it is a nonprofit does not negate it is a business. People (no matter the background) should NOT have to pay and beg to get the service. It's great if you can get their mortgage product but it is more than a gauntlet to successfully get through the process.

[@cetriyasArtnComicsChannel]

basically a 2nd part time job, walked out the first meeting and did some side freelance to make up the difference.

[@ClariFlaka13]

Shout out to you both. Big facts

[@chalonw]

As my mom always said “It’s interest on the money” Basically anytime you’re receiving something with no down , free , no closing costs etc it’s going to require wayyyyy more work than when you have a down payment. Even if you are buying a home through traditional process it’s a headache (the only time I knew what a migraine was) 😅

[@latishawise5450]

Thank you.

[@Mr260reppin]

Eh i appreciate the gems y'all drop...tryin to get my lady hip to y'all channel... the guy that y'all interview covered a lot of shit...keep pushing eyl..💯

[@monaturals9315]

NACA is owner occupied if you are doing a multi unit. You also cannot have another investment property.

[@jaygray3446]

Do your due diligence before using NACA. That program put a family member through the ringer.

[@NIKKIB-ru2uh]

Phenomenal story

[@msmoenergydet]

Representation & Education is important!

[@atheistarentreal1891]

The NACA program is good 😊

[@youngcarlos314]

Very positive energy

[@princedevonbr21]

Wise Man. Appreciate The Gems! Inspiring!

[@mrschisholm726]

Thanks for this.. so much value given.🙏🏾

[@TOTLHS]

Watched this and love it!

[@mizum3458]

Awesome content. 👍 I gotta share this channel and the info with some people to help balance things out. A lot of people fail to realize that if have some communities too imbalanced with people experiencing toxic environments all day everyday with the same thoughts and sights of struggles and hopelessness all around them then theirs not going to be much motivation and positive ideas to do productive things for most that may be feeling depression. And if they give others a chance to see all kinds of positive potential and ideas with happier people all around them to help inspired them and make them see other options to feel more potential within themselves, then that opens a lot of chances for them to take good knowledge like to turn things around for themselves and help others back all around everywhere in life. Everyones struggling on different levels of a society forever now dealing with hidden unspoken cast system of sorts issues with a lot of others and within their own sectors also.. the gate keeping and scarcity mindsets have got to stop all around in all areas (other than putting these queens and 304s in their places because things have gotten too far out of line... Including all the simping that's been going on) 😤 And I'm just going to say it that it's important to remind everyone never to forget some things and important events but everyone has got to stop taking things out on an innocent generation that growing up having had no part of those things and want no part of ever going there with anybody that we all know about thinking that so many people aren't aware that here's all our start to do better for ourselves and everyone else now to all get along universally. I want to say the youth is the future and some happy things...but realistically I can't until soy-society starts to agree that the logical people know what a real woman is and we know the real ABCs and you can't just make up things and demand being right because you feel like it. 😒 I feel like Tony Robbins bank is appreciating this content so much right now. 😅

[@donnab3183]

Enjoyed content! Smart young man, blessings to you all.

[@victoriousvkg]

Started NACA after seeing him on Rants & Gems!!!😊

[@rodblack5582]

Another Outstanding interview and show! I love this program!!! Thanks alot fellas!!!

[@dawnbrooks1309]

I'm looking into NACA ASAP!

[@latishawise5450]

Get your spiritual guidance too. Because Naca will put you through a test.

[@dawnbrooks1309]

@@latishawise5450 Yes, thanks!

[@didijoebabyphat]

Thank you so much I have my first class June 24,2023🙏🏾💪🏾

[@JMCHusstle]

Congratulations Sis!!!💯💯💯

[@ivieiremide5548]

How is it going?

[@chondrap7682]

Stories like this show how god moves in mysterious ways. Also how quantum mechanics work. When we can influence the ego it can become real. The crowd you keep is feeds your subconscious.

[@nyeshamclilly7524]

This is what I want a home A good neighborhood. Children are thriving and learning from their surroundings. I pay 1845 & long Beach And yes, the apartment is not well kept and I think they stop paying for the trash to get picked up.. They sell drugs at the bus stop.😢 And I don't understand why they check your. Credit score just to move into apartment building. My credit has nothing to do with me. Pay my rent.

[@chelseaphilice7458]

I appreciate that he mentioned the landlord class .everybody wants to talk bad about buying property and landlords (trust I’ve had my share of terrible ones) but Nobody said you had to be a slum lord 😅

[@xX19shegod19Xx]

Amazing interview!! Thank you!

[@Gino1189]

Love this guy even with the potty mouth! Great info, thanks!

[@Now_Roger_That]

There's so much different and varying info on real estate and I've watched tons of videos... But in reference to the do your due diligence aspect... Any suggested reading to get the basics of real estate before going into the NACA office to speak to someone?

[@Nurseonwheels]

MATTHEW GARLAND has 2 books out 1.THE REAL ESTATE INVESTORS MANIFESTO & 2.HOUSE HACKONOMICS

[@Nurseonwheels]

MATTHEW GARLAND has 2 books out 1.THE REAL ESTATE INVESTORS MANIFESTO & 2.HOUSE HACKONOMICS

[@lesmedia94]

We are not in a market where NACA offers will get accepted in major cities.

[@coleturner5665]

This was super informative 💎

[@Freesmoketvv]

This is powerful 💎💎💎💎

[@-DCollins]

🔥🔥🔥💯straight knowledge time to execute !!!💯💪🏾🙏🏾

[@Beatbytoyabeee]

I need his information Im currently going through the NACA program ,

[@baileysraves9861]

Great video and explanations!

[@eldredanderson6294]

This is the move right here!!

[@missmariamendoza]

I really wanted to utilize this program since I live in a high cost area and really want to buy,but they don't accept current homeowners 😢. I should've known lol!

[@BelovedOne03]

Heard about this program and started my process prior to COVID...still no success!! Attended all workshops as required but to no avail. Follow ups with appointments and documentation from counselors have been far few and in between. Being told to just keep calling, keep submitting, keep paying membership fees without ANY results is/was discouraging. Not saying it doesn't work, just hasn't worked for me 🤷🏽‍♀️🥺

[@minoismith4046]

Which state if you don't mind me asking.

[@TNH-ob5uo]

​@@minoismith4046 I was wondering the same thing

[@j.garcia4058]

Membership fees?? How much

[@cetriyasArtnComicsChannel]

once I saw all the list of requriements at the first meeting, I realised its like a 2nd part time job. At that point, I opted to just go conventional as local banks do have their own programs. This was back in 2019 and the market has very much changed and I have good credit, so don't know if right now I'd try for it still since intrest is so high now. just saying, try asking your local banks and credit unions.

[@ClariFlaka13]

I’m sorry. Thanks for clarifying @Lookmedia100k

[@lesmedia94]

Look Media 100K - What this brother is not explaining is NACA limits you to so of the worse areas of town. This is for people that are okay with buying and owning in the less desirable parts of town. They also don't care about your closing date and the deal can fall apart in different markets.

[@kennethabobade1749]

Chooooasssuppp how much do you really know?? Apparently not a lot lol

[@savvysocialworkpllc]

Not true - I completed the NACA program. There are obstacles you encounter however you are not relegated to “only” the worst areas. And I am NOT on the payroll 💯

[@ClariFlaka13]

Both of you state the areas that you were naca approved. Then let’s check the crime stats. The goal is build strong community in urban & rural areas. Why would desirable parts of town need to get stronger? @Lookmedia100k

[@Renaissance125]

@@ClariFlaka13I was approved in forest park and wicker park. Both great areas in Chicago. Don’t do that please 🗣️

[@KingA32]

Even though the have limit on the type of area. It's not only in bad area. I was approved in Elkridge, MD. That's in Howard County. Great school district and area

[@JohnSmith-fi4vk]

Dope episode love homie energy 💯

[@hustletwofourseven4777]

Great interview

[@minorkaxo]

Great info thank u

[@OtherPeoplesBusiness_]

Exactly ❤ own now!

[@GANGSTERTURNJUNKER]

Thank you for this information

[@panamajaxon]

Dope convo!🔥🔥

[@negusrbg500]

Give thanks for this🙏🏾

[@portiacue5320]

My best friend who has been living from paycheck to paycheck for decades with 2 children has paid over half a million dollars over the past fifteen years to her landlord. It turns my stomach!🤢🤮

[@dafingaz]

Incredible!

[@cillaprime59]

This NACA organization is only for first time home buyers? If so, is there a program like NACA for homebuyers who lost out during the 2008 recession? Bc we had the right idea but the wrong wrong guidance.

[@corryjohnson6591]

I’m going Innnnnn🎉🎉🎉🎉

[@nshell2714]

Did he sell his 1st property before buying the next? Or did he hold it? If the latter how did he retain it but qualify for the 2nd NACA mortgage?

[@ChantelandPhilip]

he got the 1st one in his name and got the second one in this girlfriend name

[@latishawise5450]

Ok so he scammed NACA

[@brendabenson2039]

Love this thank you

[@arstudentathletesoccerscho2898]

Thanks for the information guys!!!

[@KINGYAH-SEER5777...]

HE SAID- YOU CAN GET A NACA PROPERTY WORKING AT MCDONALD'S💯🔥✔️👑💞

[@ClariFlaka13]

No. You need to qualify. The salary at Mcdeez would’ve qualified you years ago when values were down.

[@ameliamark4867]

This administration putting so many families into difficult situations I pray for our country, we need compassion for the American people! I appreciate your advices Zelinda Math! Imagine investing $1000 and receiving $10,350 in 3days.

[@carmelitagonzalez5014]

Same me here I started last week and she called me on Video call also I have received some of my profit about $9,200 yesterday she’s trustworthy.

[@oliverjackson160]

Investment is far better than money saved. When you invest your money it works for you and help you earn more money.

[@annifred2159]

Failure and loss on investment usually happens when you invest without proper guide trust me Zelinda is one of the best you can TRUST.

[@nanaferguson1351]

Can you refer me to her 🙏🏼??????

[@julietdenis7147]

She’s indeed trustworthy I have contacted her, I even spoke with her on call.

[@Flyguy21]

Love this interview with this guy, a lot of gems given. What's his IG or KZbin page. I notice his social media wasn't listed in the description.

[@thebillionear5598]

So fire. Dude cool af 💪🏾💪🏾💯💯

[@simone2125]

The down payment is the problem but also the fact that the maintenance is all on YOU!

[@lesmedia94]

Dope sweatshirt idea

[@ItsVick707]

Great knowledge in this one I’m going to do further research into this thanks!

[@convowithcino]

Great show!!!

[@lesmedia94]

Down payments are alot more than 50K now Rashad, to get the monthly where its affordable.

[@hala852]

Gems on gems on gems