This actually makes me want to become a NACA MC. It’s sad to see a good program being ruined by unprofessional staff.

Everything in this video is painfully true. After 9 months of trying to buy with NACA, less than 3 weeks from closing, we're going to a conventional mortgage. That decision is going to cost my partner and I $100,000+ in extra interest, but I would compare the experience of a conventional mortgage vs NACA to having been abused for months and suddenly being treated with genuine kindness. The NACA process looks great on paper but it is absolutely awful.

I just quit NACA today. Had a horrible experience with my counselor being condescending, unavailable and basically telling me I wouldn't have access to him until I was under contract. I wanted to fight him.

I spoke with a realtor from TX and she says the opposite of what was said. She has 12 years helping people with NACA and she recommended me to stay because it's great for First time homeownership.

You are doing the right thing sis! Keep moving ! NACA will be revealed in time. Something isn’t right here and the fact that the government is okay with this behavior is ridiculous

Sis, you are dead on! I'm going through NACA. I got qualified, paid for home inspections, and prior to going under contract my mortgage counselor quit. Then I was assigned a new counselor after two weeks after being under contract. Then, the new mortgage counselor says I didnt qualify. I had all the paperwork and then gave additional documents that was requested. I had to terminate the contract so I wouldn't lose more money. I ended up losing my inspection money. NACA has the worst work ethics.

I went through NACA over 10 years ago in GA and had a great experience. Referred a lot of folks that were able to buy or refinance with them with no hassle. Not sure if it depends on the office or consultant you have to work with that makes the difference or if things have just changed but it’s a shame. It really is a great program when it works.

Its funny, a friend of mine in Houston bought a home trew this program and it was a foreclosure home and had no problem buying it even with the problems that the home had, he couldn't be happier..it went trew before the 30 days..

I was told about NACA from a friend. I went through the initial process of a seminar to get my NACA ID#. I submitted the initial paperwork. I scheduled an appointment. That appointment got cancelled ON THE DAY of the appointment... I was never notified that my counsellor wouldn't be available. We reschedule for an appointment a month later. That appointment was supposed to take place today. It was cancelled. My counsellor is located in Pennsylvania, but I live and wish to buy a home in Ohio. He said that since I want to buy a house in Ohio I have to speak with someone in the Cleveland, Ohio field office. Counsellor emailed me back informing me that he has notified the Ohio field office and they will be contacting me and rescheduling a new appointment. It is taking over 2 months to simply get the process STARTED. To me, this is only an introduction of what it will be going forward with NACA. If it's this difficult to simply get an appointment, how is it going to be when I found a home and I'm ready to make an offer? Or when it comes time to close? I simply cannot risk it. My realtor found some nice houses I might like, but I've not bothered to even look at them, as I've been waiting for my initial appointment with NACA to see if I qualify; not wanting to get excited over a house until I've spoken to someone at NACA. But with this second appointment cancellation, I've had enough. This would also be the second time I've moved so much around to be able to have the day off from work to have the time to speak with my counsellor. They don't care. They have ZERO consideration for people's time and efforts. I will not be moving forward with them and will be talking to my Credit Union loan officer and will update my paperwork with another traditional loan officer that I was already in the process with before I heard about NACA.

I remember watching this when I was first interested in buying a house and I am honestly glad I heeded your warning. I went through the training and it took over 3 months to hear back to schedule to volunteer. Thankfully my realtor knew a great mortgage company to assist in my finding and purchasing a home. I will say, I did contact Ashly Jamerson to request information, I spoke with one of her agents who was awful, completely awful. She said I Would not be able to find a house within my budget. Thankfully I did with another real estate agent that helped me to find a home in less than a month and I can say that I am now a happy homeowner. All in all, I'm happy that I listened to you and also happy I didn't work with your group as a client.

No, I was so frustrated by the process. I had one person helping me get all my documents, then I was assigned another person. The new person had me get documents I already had given. It seemed like a never-ending cycle. This lasted over 6 months, and I still was not close to finishing. I decided to cut my losses and get a home on my own.😮‍💨

This was so well explained! As a Realtor in Georgia, I know these points to be very true. Many clients that have started with NACA, give up and buy traditionally because it's not worth the hassle.

After hearing this, I’m glad I’ve given myself 8 months to go thru the NACA program which I started last week. If I wasn’t moving out of Charlotte, I certainly would’ve worked with you. Very knowledgeable 👍🏾

I went through NACA in 2019 and it was a nightmare. I was one of the lucky ones who only took about ten months from start to finish. I came in with excellent credit, high income, and significant savings and closing still took over 50 days. The closing process was a nightmare. It's a good thing I bought a new build because if I bought an existing home I would be screwed and lose out on the home.

I went through NACA in 2008 and while there were a few hoops to jump through, but there were similar hoops to jump through when I got qualified through my credit union. I went with NACA since it saved me tons of money, and had an overall good experience. I cannot think of any real issues I had. Maybe it depends on the office you work with. I worked with the Atlanta / Decatur office. It was a while ago, so not sure how it is today.

She’s spot on, NACA deals are truly frustrating at the highest degree. I’m a realtor in CA and have been in escrow for close to 3 months. Communication with NACA is the worse part of the whole process. I will never deal with NACA ever again, not worth it. You have no control over the deal.

I'm so glad you, a realtor, finally was brave enough to come out publicly and say your thoughts from the seller, the builder, and the realtor perspective about NACA. I have researched NACA and all I see for the most part is horrible experiences and bad reviews. I myself has reached out to NACA for questions and have gotten nothing back after several follow ups. It is a great baited program when it actually works but the part that is frustrating from what videos show is WHEN DOES IT WORK and the tedious process and lack of care from NACA professionals. I commend you for your thorough video for buyers to beware. The most interesting part of your video is the part about the sellers and the builders who do not want NACA buyers and I totally understand why. You would think that someone in the government would get involved to make this process more streamlined, consistent and better for clientale. Thanks for the review.

I had a terrible time working with them. They would constantly give us the run around and it got frustrating. We would come to the meeting with our ALL our documents that were asked for and they would constantly tell us we needed something else and we would ask why wasn’t this mentioned before so we could have it prepared. It was so frustrating that we had to part ways. It was a total waste of time. It sounds like a good opportunity but they need to change their staff and better train their people. It was like the blind leading the blind.

I understand that there is no hiding from the seller. If NACA wants it good for you I feel that is a creditable deal. The seller may not want to fix it but I would not want to incur the extra expenses as a new home buyer. I have patience. I’m gone wait on my blessing. Ty for sharing tho. Keep thriving in what you do.

NACA Worked for me

I was actively working with NACA in 2019 and it is just not a competitive financing program in this environment. For context, I am in Los Angeles. I have always had a pristine credit profile (no historical delinquencies or derogatory items on my credit report), I was able to demonstrate my "Shock Payment", I had the savings to back it up, and the necessary income. I looked into NACA because they claimed to pay the buyers closing costs and the seller's title fees. The problem is that, at least in Los Angeles, all of the census tracts are just not NACA eligible (I was not what they call a "Priority Member"). I understood this but continued with the program. I finally found a home that I liked in a NACA eligible location and let the MC know I was ready to put in an offer. The NACA realtor was completely unresponsive. I missed out on the home. 4 months later I found another home that was NACA eligible. I got an accepted offer and things were looking good. The home inspection occurred and HAND reviewed the inspection report. They called out super basic things that I can fix on a weekend (I am NOT a handyman but again, very basic) and as you know, HAND requires that the work be done by a licensed contractor. The home did in fact have materially deficient items, I won't downplay that. However, NACA was entirely inflexible on the basic items. I provided the repairs list to the seller to see if we could work something out and the seller's agent laughed at the request. I can't even be mad - a lot of the items were ridiculous. I had to drop out of escrow and they closed 2 weeks later with a cash offer that was just $10,000 below my offer. One could say, I was probably going to walk away anyway - maybe. If I could've closed on the home, then I could fix the issues on the inspection report after closing on my own or could have hired professionals that I know within a year of owning the home as opposed to paying for repairs at the time of closing. At that point, I gave up with NACA. They are in fact understaffed. I ended up going with a conventional lender and paid the closing costs out of pocket. My outside realtor who was trying to be cooperative with NACA was probably super frustrated but he was a trooper and did his best to help me close with NACA. As I mentioned earlier, we ended up using conventional financing and it worked the first time I tried it. No surprises, no eligible census tracts, etc. You should also know that if you close on a NACA loan, they will place a "silent" second DoT/Mtg. on the home for 5 years in the amount of $25,000. They want to encourage long-term home ownership, which is fine but if you are looking for business financing, you can't tap into your home if you needed to. While I do think NACA is weak in this market, I will say it prepares buyers that do not have a pristine profile to get them home ready. The program cleans up bad credit and spending habits. I spoke with other participants and they looked and sounded like people who were ready to buy and could in fact attest to their growth since they first started the program. I would dare say that if you can't use a program like FHA, USDA, VA, or conventional financing, then it's probably not the time to buy a home. Rates are historically low, even in this rising interest rate environment. You're going to be okay if you wait a little longer to clean up your profile before buying. For this reason, NACA really should be avoided. They mean well but they just can't execute in "hot" markets.

The NACA CEO only cares about the amount of dues they can get. That is why they continue to do the dream events and that is why they aren't closing people loans out faster. They keep the process long to keep people paying their membership dues each year as the continue to rack up boat load of new members they know they can't help or aren't priority. I was over them after 6 months. Thank God I went the traditional route and ended with a great interest rate.

Sheesh!!! Now I’m officially worried. We’ve been in the program for less than a year. We found a great home and had are under contract. Our anticipated closing date is October 22. We only had 4 very minor required repairs that the seller agreed to take care of. Hearing that NACA doesn’t close on time is very concerning. The entire process I’ve been skeptical. Things were going so fast I knew that there would be a catch somewhere. I hope and pray that we can close on time or at least within a week of the anticipated closing date. I’d hate to miss out on this home. Especially seeing as how my rental lease expires the end of November.

I am just working with NACA and thank you for your information. I will speak with my counselor on some of these points from your video. I am working on saving money now and working with a counselor. Thank you.

This is sad to hear and based on many of the comments, it appears our people (black people) are being hoodwinked and deceived. We have to always do our due diligence to vette these programs and do our research.

I have been trying to get an intake appt since January. MC keeps changing hands. They seem to be very unprofessional and very time consuming. It should be easier to get communication. They don’t contact you when you send messages. I feel very hesitant about this company.

Whoaaaaa I agree. Ashley I dealt with the same regional manager ( male) and office manager (female). I just don't want to call names. But she and my counselor did not like me the only reason I was able to get my loan to close was simply because the regional had a friendship with my realtor. But the process was very different. I thought there would be more organization. Hmmmm. I hate that they aren't helping ppl because that's what they are there for. I hope it gets better for them.

Yesterday my tax preparer told me about NACA so all night I was watching the reviews for them and I’m personally giving it a hell no!

I'm going through NACA now, and I'm SUPER frustrated. This video is on point with the disorganization, unprofessionalism, and overall so many missing pieces between the MC and my Broker/Realtor. I'm going to have to reconsider at this point!🤔

Great video! However, I feel like in my situation, living at home with my mother (rent free) allows me to not worry about the time and patience required to go through the NACA program as a buyer. I've done the research on what I should prepare and the timeline of how things should progress. Would it still be better for me to go the traditional route? My reasoning for going with NACA is because of, 1) No PMI 2) No closing cost 3) No down payment 4) My state allows me to use a program that will grant 6% of the house to use towards the house, which I would use with additional money to buy down the mortgage to 0.5% APR. I'm a first time homeowner, trying to do my due diligence and making sure the process is as smooth as possible and saving as much as possible. I would appreciate any advice and insight.

NACA receives federal funding through HUD. Please file a complaint when grant funding rules are not followed.

Also I'm so nervous to hear some of the problems where people had to stay in hotels with their kids

Hello Ashley, I am so happy that I've found your channel. I was on the fence about paying dues again for Naca. I am trying to relocate to North Carolina from PA would you be able to point me in the right direction of other reliable programs I am looking to move in the next 3months. Thank you so much for this life saving video!

Thanks for your clarity and truths. I was just reviewing some videos regarding NACA and got turned off from them in a week. So glad you could share. Prayers for speedy recovery to you and your clients

My husband and I have been with NACA for over a year now. Partially due to our own reasons. We went in September to get qualified and been told We missing documents that we submitted several times. So we resubmitted them and still in review at this very moment.....haven't heard anything yet. I told my husband of we didn't hear anything back by the end of the year I'm done...I'm out...go the traditional route or FHA loan. We extended our rental agreement for 7 months because of NACA & them being so slow....they just take your money for the credit reports and annual dues. I'm done playing fees....not paying anymore until the work is done on their end.

Thank you for this video. You remain so helpful.

Why can’t u be a realtor in the Houston area :(

My experience is AWFUL! I attended the workshop in April Tenisha was supposed to send my pin number to kick start the lengthy process. After several attempts to contact her through another employee still no resolution!! Such INCOMPETENCE is disgusting!!

NACA seems absolutely horrible to deal with. Ive heard so many horror stories.. so sad it seems to take advantage and in my area they actually charge a monthly mbrship and some people have been doing that for YEARS! Its sad. Id rather not deal with the hassle. Buying a home is stressful enough.

Alabama has ONE NACA mortgage counselor in the entire state. I'm hanging in there because the interest rate is so low and they don't look at your credit score. The headache that comes with this journey is unreal. If there is a better way to purchase a home...SOMEBODY PLEASE LET ME KNOW!!

I’ve had a terrible experience with them. I could easily get a traditional mortgage (i’ve been qualified twice before) but want the great interest rate. I’m giving up if they havent approved me by next month.

All true! I stopped the process after 8 months of unanswered emails and calls. We are now going the traditional route. Being with NACA drained us and discouraged us from buying! Sounds good on paper but the employees DONT work for you and they will definitely leave you in Limbo! We never heard anything back after submitting the same documents month after month. We had all the checklists covered and they basically just stopped working in our file!

It was suggested by my realtor that we try Naca because of not so good actually terrible credit issues I’ve heard conflicting information about Naca they don’t base it off your credit but your credit is looked at and is a deciding factor in if you get a home loan or not idk what to do and need my own but I’m very discouraged now

I recieved a offer on my house TODAY from a NACA member. Any time delays could devastate my family financially. I'm ready to decline the offer now because I dont have time for them being inconsistent. I'm literally calling my agent tomorrow morning to tell her aren't taking the officer. We have 3 more offers.

I don't live in your state, but assume many of the clients you speak of are minorities, and/or single-parent, or working-class families just trying to live the "American Dream" of becoming a homeowner. It's a shame what government programs do to those who could use a hand. I went through a terrible experience in my state with the Wells Fargo LIFT grant program, and would advise anyone interested to proceed with caution. Many of these programs really are set to discourage homeownership and continue to keep folks renting! There outta be a lawsuit !

Thank you so much for sharing I just got started and I'm feeling like it's going to be a communication issue already

Great video! I don't blame you. I started the process in Jan2020 and I upload documents my counselor say didn't get them. I had an appointment in October 2020, which was no call no show. I don't where I am in the process cause they keep passing me on to another counselor and I am starting all over. I live in KS.

Thank you for the video! I had mixed feelings about NACA, and while looking at homes, builders are telling me they will no longer work with NACA. I will definitely contact you to start my buying process! :)

Omg!!! My appointment was canceled 4x.

After recently attending a webinar, immediately and admittedly realized NACA is NOT for me. Off the bat, or at the start of the nearly four-hour webinar (by which you have to watch through the entire webinar in order to get a code to gain access to and kick off the pre-qualification process) one of the presenters very rudely, "Don't ask about no COVID!" Excuse me? This is a very valid concerned, given the times we are in. The same for the rest of the presenters or webinar chat moderators, they were continually short and keep saying people we're asking the same questions, "I don't know what's wrong with you all asking the same questions." When we get into the details and stipulations of the program it tends to nod to one of those "you should be here and tell your friends" programs. Even kept repeating "I don't know any other program who is offering what we are offering." Another thing makes one raise an eyebrow, it seems like when you are granted to a mortgage you are obligated to stay in that home for the life of the loan...you can't sell the home, or treat it as a rental property, all whilst having to participate in x amount of events per year, and submitting an annual fee. Currently, looking into the traditional route or alternatives to purchasing a home. They say if something is too good be true, welp...it truly is...

It's impossible to get contractors to even work with the buyer on repairs from the HAND Dept. And then I learned that NACA can foreclose on the house of those repairs aren't completed. But many don't want to use the NACA system.

Naca sucks. Everytime your appointment is scheduled, the cancel the last minute because a worker leaves. This happend 4 tines. It's crap like that that makes NAca a waste of time. It's garbage

Am in Orlando Florida, my Lord I’ve been thinking the same thang! Am in NACA just the beginning stages but am kind of afraid to continue because I’ve noticed the grave amount of unprofessional behaviors and the lack of concern the Rep’s appear to carry! Did you reach out to Bruce Marks the CEO? Do you know if there are any other programs that have the same low interest rate! I guess I could try to buy it down but your info was a blessing, thanks in advance. Elder Converse

Thank you! I went to a NACA workshop a couple years ago and it sounded great but this video was informative and made me resolute in not wasting my time on them. I came across you because I'm moving to Charlotte and want to buy by the end of the year. I will reach out to you when it's time.

Thank you for this video. I had started the NACA process 2 1/2 years ago, but due to some financial restraints and issues on my end that needed to be resolved first, I stopped my process. I was ready to restart it up, but after watching this video as well as reading some stories on everyone's process in a Facebook group (seems most of them are having issues with MCs not communicating, closing taking longer than necessary, etc) just as you've mentioned in this video. So, I think I'll just go with an FHA loan, instead. Thanks again!

It’s interesting because I was just looking into becoming a NACA agent. What I do know is that I’m a far better agent than what people are describing! I actually care about people especially new homeowners because I’ve been through this process personally!

The thing is people forget that they are a non profit so they don’t give a crap about anything they can just quit when they can

We just started working with NACA in March. I've uploaded hundreds of documents, their ridiculous budget, and I have not been able to reach anyone or upload this month's paperwork. I have two binders worth of financial documents, personal documents, and probably another binder they want. I can't upload it and I can't reach anyone. We have our next appointment September 29th, but so far it just feels like they're trying to see who deserves to have a home, who is willing to jump through the hoops, and the hoops never seem to end. Maybe it will get easier, but right now it feels just as hopeless as not being able to find affordable housing.

I’m currently NACA qualified but having second thoughts about going through I will probably do a FHA loan instead. I have nothing bad to say about the program from my counselor to my realtor everyone is professional and dependable. It’s the qualification mortgage payment that has me thinking to just do traditional I make ok money for it to be so low I’m about $250 off from what I know I can afford. So just be ready for that disappointment if you’re going to go through NACA.

I wish I had seen this before I started my process the process with NACA. It has been an utter nightmare. Are closed date was pushed back and we are possibly going to lose our ernest money because the seller doesn't want to wait.

I know this is really late BUT how do you stay so organized AND thank you for the information. I’m trying to work with a NACA buyer it seems a little overwhelming

Thank you for this information I was considering going with this program🙏🏿🙏🏿😞

I am currently working with the Charlotte NACA office and get no communication. My MC was suppose to send the VoE to my employer last week. 7 days later he still hasn't received it. I've called, emailed multiple people and multiple times. Nothing! This is the only thing I am waiting for for qualification. So frustrating.

300% accurate. No 3000% accurate.

Hi, do you know of a similar program in the LA/Long Beach area of California ? Like everyone on here we all want to work with you but understand you are far. Please help!

NACA is a horrible process. I had a similar experience with them as a first time home buyer.

Thank you for the information. Like I have said in one of your videos, I will not deal with this program.

Do you have a video explaining some of that knowledge? You mentioned that you can buy down interest rates with traditional mortgage loans

I’ve mentioned to you a few years back that I had a horrible experience with them. Since dealing with them I had given up on buying a home because of what they put me through. It was a hellish ordeal for me and I don’t recommend NACA to anyone ever!

Very Informative video, I wish the volume was louder. Thank you

I'm in Virginia and have my 1st intake meeting in October. I'm in no big rush, because I have lived in my current place since 2012, everything is fine, but I think it's time for a change. I understand the NACA process is lengthy and stressful, so I understand what I'm getting into. They also don't have a local office, and the closest is over an hour away. So nah. 😕 That being said, thankfully, I have a former classmate who's also a realtor and I asked him some questions. He advised me to go the VHDA route, which I am taking his class also. He said NACA is a good program, when it works. I think at this point I am using NACA to get my credit score up (VHDA minimum is 620), I'm almost there on my own, but I need a little help to save and budget just a little more. I also feel like the interest buy down thing is really a fancy way to say down payment, which NACA says you don't need. I am so thankful for all these videos. Sometimes a break up is a good thing.

I thanks you for your honesty and information !!! Also if it not two trouble send me the information about another good program or lender in New York areas. But still thanks you for the honesty

I worked for NACA for 10 years and bought my home

This is why I stopped my process with them. It’s way too much to deal with!

Damn. I see so many horro/love stories EQUALLY about this program.

I currently am considering NACA, however, what they recently told me was that, the counselors are 5 months out of being able to see clients because the demand is so great. I believe that's because they can't get counselors that are diligent to work with the clients. I'm probably going to go through my state's homebuyer program.

I thought it was just me 😮😮😮

Love your integrity; I had to move myself away from NACA in Georgia!!!

Thanks so much for this information and I'm hoping that your business is doing very well. Do you happen to know any programs or lenders that I may work with in the Hampton Roads, VA area?

Who would you recommend instead of NACA, who do something similar?

Thank you very much for this information i appreciate it greatly appreciated i would like to ask for ur help

Could you possibly post a video on how to find a realtor similar to you for those of us out of state?

Hi there me and my neighbor's are a bit stressed because there is a couple who purchased a home via NACA. However since their move, they have not cared or maintained the property. The property is now in such an unlivable state tgat it is impacting the property value in our residential street where homes are well cared for by homeowners. The other alarming concern is that for the past 3 years one of their family members began conducting drug trafficking and now he has a gang of 8 - 10 teens drug dealing from the home. The gang now lives there and are intimidating and threatening homeowners in the neighborhood. What can we do? Can we report tem to NACA? Who do we need to call to report them?

Hello, we've been working with NACA for over a year. Dealt with nearly every issue you mentioned. We wanted this to work and put so much time and effort into the program. It's heartbreaking. Do you have any suggestions for similar programs in the NJ/NY area?

Thank you. I think I will reconsider even doing their webinar now. If I was still living in Charlotte I would have loved to work with you but left a few years back. I can't play NACA games here in DFW area as the market is very tight now and things go very fast. Will go another route.

Everything she said is true. NACA is a hot mess.

I’m in the same position, my loan Counselor “underwriter” skewed my numbers after an argument over her not returning phone calls or emails. My mortgage approval amount dropped 17k. I’m so over it going the traditional route.

I just finished chapter 13 bankruptcy (wife was not included in chapter 13) and am awaiting our discharge letter from the trustee. I make 85k/yr and have 20k saved and our CC utilization is 63% right now and will be under 20% by February 22. We will also have another 15-20k saved and will be using my VA home loan. We own all three cars that we paid cash for! We have a disabled son who draws disability around 900 a month. We hope to have a place buy summer 2022.

I'm going through NACA now! I'm in the looking for house process. I'm still trying to figure out how they calculate my loan. I don't that much debt. Tried to reach out to MC for month now and she won't respond.

Hi Ashley! Could you recocommend a good financing program similar to NACA in the Charlotte area?

This video was so informative, wish you were in MD

So I don't think it's the program I just think its people not wanting to be patient. I heard too many good things about NACA

Hi Ashley, I enjoyed your video and the information you gave about Naca and its practices. I am starting the process of purchasing a home with Naca. After watching your video I am very concerned about going through the process with them. Can you recommend a lender in Los Angeles county that works with first time buyers?

Thank you so much I’ve been looking to buy and was looking into NACA and you gave me the answers I needed. To bad I’m in the Winston area I would definitely would have worked with you.

Hi Ashley, I'm a first-time HB with NACA. I too would like to be confident in my home buying purchase BC I'm moving from California to Florida. I really need assurance I'm not hung up when I get to FL. I plan to stay with friends but I still had to pay rent while I'm there. Do you know someone in FL?

Do you operate in South Carolina at all? Or, have a close connect? I'm ready to be in a house that I can afford by August or September of 2024. If need be, I can be in sooner. I'm just allowing time for the paper process. July 2024 would be even better. Looking forward to your response.

It's very unorganized. It's very frustrating too with the web profile. I need help and can't get help and takes long to talk to a counselor and why would it take 5-6months to move forward & move in

Hi Ashley, do you know of any down payment assistance programs in the Charlotte area (Concord) that works with Naca?

Is FL also Naca? Hud & ,FHA's used to have similar programs

Can I cancel NACA even if I’m under contract