Anonymous
map-marker Clarksburg, West Virginia

NACA

I worked with this company for over a year. They are a terrible FRAUD! Not because I did not get my way. Because the servicing company used the info that NACA supplied not to help me but AGAINST ME! I will now have to file bankruptcy & move. Naca says they do not even know whats going on. DO NOT TRUST NACA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I wanted to believe there was some help - I even went to on of their conferences at Los Angeles. I have just totally wasted my time. I still have not been sent any papers, and found out your servicer has access to EVERYTHING you send to NACA. They will use your income against you and not to your bennifit.
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4 comments
Nora P Lnf

Let's START THE MOVEMENT!

REMOVE the POWER from NACA everyone send them an e-mail to CLOSE your case. When NACA receives a high volume of cancellations; then they will learn their lesson! Don't give NACA any more power people!!

They are selling your personal confidential identity! Soon you'll see them on Dateline or 60minutes for identity theft. Please listen up folks CLOSE Your cases. Don't give them anymore personal information!!!!!!

Guest

After reading all these bad experiences with NACA, I knew I should have followed my instinct. I'm currently in the midst of the home purchase program and my counselor kept asking me to resubmit tons of documents I sent at least twice before.

After 2 months of going back and forth with resending these documents, he just disappeared and stopped responding to my emails. I sent in everything (and some) that he asked for. Then, I recently received a random type email from NACA asking for the same documents again and the membership and credit check fees. I am not paying them anything until I hear from a real person and not an electronic generic type generated email.

I don't get it and I don't understand why they are trying to help so many people when in actuality, they can't. This program seems to be very unorganized. The staff is overworked and tired. They can't provide the quality services that NACA promises.

My counselor was a nice dude, but I guess he's just too busy and can't get back to his clients anymore. So, I'm just drifting out there, waiting for...well, I'm not sure what I'm waiting on... I think it's better if we look for similar programs in our own city/town... They are out there.

It seems NACA is all about the money, not the people anymore.

The web file is also a horrible setup. It's a waste for the clients when you can't see or do anything but print out a fax sheet and of course make payments...can't forget that!

Guest

Yes, the servicer, if they have signed an agreement to work with NACA, has access to everything in the member’s NACA file via our web portal. This is one of the things that makes NACA’s Home Save program so successful.

By using a paperless document system and providing full access to the servicer, this eliminates the need to repeatedly send in the same documents over and over again. If you are genuinely in need of a modification, why wouldn't you want the servicer to see the complete picture?

Aaron C Img

You sound like a jealous competitor.

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Anonymous
map-marker Livingston, New Jersey

Worst non-profit I support it's shut down

I have been on the NACA home purchase program for over a year now.  My previous councilor was Patricia Baker, unfortunately she is no longer with the Washington DC office and no one had informed me until I called back to check.  I had been sending her multiple emails regarding the status of my application.  There were a few miss communications during my qualification.  The main miss communication was the fact that Patricia had informed me that as long as I have at least $6000 in my bank accounts that is their minimum requirements for me to be qualified.  She had ran some numbers and quoted my range for a house purchase at $285,000 but could be more if I can make my payments within my reach of $1700 a month.  I have been drawn back by the fact that the "Payment Shock" was not explained to me properly or at all until January of 2011.  I have had quite a bit savings and have been consistent with the program since September of 2010.  The other miss communication was the fact I had been making monthly contributions to my parents but it was in the form of cash payments rarely did I write out checks to them but I do have some checks on file maybe 2 or 3.  The other thing I did was I had signed a lease for my sister since her credit did not go through back in September of 2010 and I was helping with half the rent since I stay there 2 days out of the week when I have school; due to her loosing her second job I have been paying for all of the rent starting from January.  Previously I was paying half of the rent ($325) and now I have been paying the full rent of $650.  I have bank statements from September that I can go back to; from September my starting balance was $4,766 in my checking and $19,957.33 in my savings and from my last statement I have a balance of $10,143.22 in my checking and $21,798.03 in my savings.  My checking has gone up by $5,377.22 and my savings have gone up by $1837.70, in months my payment shock has been greater then $1700 but unfortunately my approval letter was denied.  I am going through very tough times, last year in March I was evicted with my family from our house due to foreclosure so we moved into my parents other house in Woodbridge, but the current house might also be going through a foreclosure process right now its on the market for a short sale so if it goes through and I'm still stuck with the NACA approval process.  I have discussed this with Patricia and she said by October or the end of 2010 I would be able to attend the home buying guide workshop after I would get approved but I have been running in circles and it feels like I'm starting off over again.  I had initially came to the NACA workshop in April of last year and came to my first appointment in July and she had informed me that the process takes about 6months to a year and my year is up and I haven't really moved anywhere as far as where I was back last April and even last July.   I called the office I could not get an appointment. So basically I am consistently lied to and not offered help if I call the naca dc office 2 out of 10 times after waiting on the phone for 30 mins.  I have called the office while I was in the office and had to wait the same amount so it's the headquarters fault for having faulty phone systems and very bad communication. The times I cant get in touch with the office and call the 1800/1888# 
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1 comment
Guest

JESUS IS LORD!

ALL THINGS ARE POSSIBLE TO HIM THAT BELIEVES.

lizastewart2003@***.com

pissedbeyotch
map-marker Atlanta, Georgia

Naca is the WORST

I cannot speak on the wonders of Naca because I've never even completed my counseling with them. I've had over 5 phone appts and all 5 of them were missed. No calls no show. They took my $20 membership fee = $7 to pull my credit and I haven't heard anything since. I'm starting to believe this is not a real company. I originally went to the home buying seminar in Feb 2011 and given an appt for august 2011. I was contacted by phone in April 2011 to complete the homebuying process on the phone to make the process a little shorter. EVERY SINGLE time me and this guy set up an appointment, he is pulled out of the office for refinancing event and I am put on hold. Buying a home is a tedious enough process but the fact that I have progressed in this in NO way since February is the most aggrivating part. Now I called the local office to see if i can still have my original appt for August 24th and they're telling me I have to complete the process over the phone with the unreliable mystery man and they won't give me my money back. I HATE NACA. I pray to God using their services pays off because this is going down as 1 of the worst experiences I have ever had in my 26 yrs of living.
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Anonymous
map-marker Middletown Township, New Jersey

NACA Dallas

I am currently living in my home in Arlington Tx. I used the NACA Dallas office the entire process took me 5 months from going to the workshop to closing on the home. I did experience some frustrations but I feel it was absolutely worth it I am in a beautiful 4 br home with a 3.315% interest rate. I would reccomend NACA to family and friends as I am completely satisfied with the program. My realtor was a HUGE help in going thru the program with me and making sure I completed in a timely manner and wasn't pushed to the side.
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sharonljones
map-marker Dallas, Texas

2nd chance homebuying program can help. Please call 972-293-**** we have several programs

To All NACA former clients. WE CAN HELP!!

2nd Chance Homebuying Program has several programs that can help you get into a home. Please call (972)293-****. Please don't be dismayed because the devil is a liar. If you really desire a home, we can help.

We have programs that will assist you with downpayment and closing cost (income qualification required)Ask for Sonja or Sharon. Please don't give up on the homebuying process. Our office is located in Cedar Hill. Office hours are 9-5 Monday-Friday.

Weekends by appointment only.

Hurry, Call us today! We can help.

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Williard Xlv
map-marker Dallas, Texas

NACA you can go to ***!!!!

If you waste your time like I did for the last 15 months running around like a an *** with dreams and hopes of putting my family in a home you would be bashing this bs company too!!! Ana Marshall Sandra Page and the rest of you loosers can kiss my assssssssssss!!!!! Congradulations NACA you get the "Trash can company of the year award for 2011". No body answers the phone. They are always an hour late to your appointment. So disorganized! my three year old is more organized than these idiods. please please please shut down your office and get a job at a rodeo. Because thats what yall are some Bull ***
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Loss:
$200
NBS S
map-marker Las Vegas, Nevada

NACA - DISAPPOINTED/SCAM

If you can avoid getting involved with NACA your ahead of the game. I've been jumping through hoops for two years now, and on July 5th I entered into a contract. I thought all of my time and energy was finally going to pay off. However, to date (August 23rd) my NACA counselor has sat on my file and still hasn't submitted my loan app. to the bank. Every time he requested something I would "jump" to get him the information. In addition, I have volunteered 4 out of 5 times already this year NOT including people I refer. My home I am purchasing is a HUD home, therefore, I am paying daily penalties for the extensions. We are coming up on the second extension request, and although I am heart broken, I will not continue to throw away my hard earned money (in extension fees) when NACA hasn't even submitted my loan app. To date I'm down $1950 in earnest monies, inspection fees, utility fees, and extension fees. They won!!!
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Anonymous
map-marker Sacramento, California

NACA is stealing my dream of home ownership

I have been in NACA *** since 6/5/10. My first MC had her last day on my first appointment and lost all my paper work. so the office manager asked me to come in again and bring back my paperwork. The office manager then decided to play MC and lead me on for the next 11 months telling me how close I was. She even went so far as to tell me that the underwriter had my file and I should be approved within 2 weeks. That was in march of 2011. Then they fired her and and gave me a new MC who really isn't working on my file at all. I have an 800 credit score and no debt. I have begged and pleaded and still nothing. This has gone on so long that I am literally sick over it. I can't get any info or answers and they just leave me hagging. I have every email that was sent to and from all of them. I have been lied to so many times and have proof of all of it. I have paid them money twice and paid for several credit checks. They have sent my landlord 5 letters (which he has sent back) and now need to send him another one because it has taken them so long to do nothing that they don't believe me when I tell them I still live there. But if that's is the way they think then I will never get the loan because by the time they get to me I need another letter again. my landlord has been great about it but where does it end. How many times must I pay for the credit report. Who can I go to for help with the Oakland office?
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5 comments
Steven Hrd

Mr Mark socializes the risk while centralizing the Profits of this so called NON Profit. Employees.

If you have ever been to one of their so called events, take a good long look at the workers. They are alittle ruff around the edges and worked like slaves. NACA requires the workers to share rooms with other workers when traveling (sounds kind of cultish to me). Mr Marks is known to curse out his directors in front of their peers (this i know for a fact) The Los Angeles and Oakland offices are in shambles.

Just take a good look around when you are unlucky and happen to have an appointment lol. The stuff I could tell you but not in this forum

Guest

I have been lead on lied to and scolded for using caps. Enough is enough.

I have done everything they have asked for and done it more than twice. The Oakland office is out of control. So in an attempt to get a response and some answers from the very incompetent Oakland office I will be constructing a letter to 60 minutes to let them know how I've been treated by NACA. I think they should know the other side of the story of NACA for their viewers.

What has been done to me is outrageous and completely without cause. I will continue to send in my stub and statements in hopes of some kind of action on NACA's part, but I don't have much hope anymore of this ever happening. There is no support from the Oakland office manager (Winifred Gant).In fact quit the opposite she has been unprofessional and rude and purposely avoided answering questions that were clearly asked. The latest excuse is there is a glitch in my file and her response when I asked about fixing it was CAPS ARE UNACCEPTABLE.

I use caps at the office and don’t always have time to reformat my text and play the NACA game all day to her liking. I will be naming her and several others as the incompetence of the Oakland office seems to stem from the management end of NACA.

I have every email that was ever sent to and from NACA and can prove and document everything from the very beginning (6/2010) of this long and very bad experience. You should all be ashamed of your deceit.

Guest

I am sick in tiered by NACA people the program seems ok but the people inside mess it up. I have been NACA since march 2010 I did the workshop 2 times by disorganized and handling their paper works.after all still this day of08/09/11 I did not see any better rather asking the same document again and again.My credit score is the 700 hundred's, I am pissed off and thinking exiting the naca process. I also referred 3 people already they have to face the same frustration like me.the talk at naca workshop and the work inside their office are two different faces.

Guest

because we don't have a lot of money to put down and my husband is on ssi. I need to keep my payments low and my down payment very low. With the other loans you have to come up with alot of money on fees that naca doesn't charge.

DiDi M

I don't understand why you are still trying to go through this company after so many months. If your credit score is that good and you have no debt, why can't you go to another lender?

I talked to several different lenders when I was purchsing my last house. I would suggest running very far away from NACA because it sounds like they are taking your money and giving you the run around.

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Anonymous
map-marker Pocatello, Idaho

Unprofessional customer services @naca

I am a homeowner in GA wasted time trying to get help from NACA- I thought they worked for homeowners not the banks? I was denied and got no explanation why ---no solutions 3 days before foreclosure. The organizaiton is hard to reach, hard to get documents approved for review. unskilled customer services. I make $4500 a month and my house value dropped to $290k - my current not is $4200 a mod based on the making home affordable plan should be around $2700 monthly with taxes and insurance I have no dependents and my husbank income is appx $1500 monthly - we have two cars for work with pmts totaling $800 monthly. Crooked!!!!!!
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3 comments
Guest

Buenos dias yo una persona muy interesada en iniciar el proceso de compra de mi vivienda por el sistema Naca pero se me ha hecho imposible comunicarme *** la oficina de Miami y pedir una nueva cita muchas gracias si logro el contacto *** ustedes.

Guest

We are very apologetic if you were receiving poor customer servicer from our Georgia office. We will be glad to investigate since this is not representative of the organization as a whole.

We will also be glad to review our file to be sure that all options available have been explored for you.

Please send me an email at lwillhite at naca.com or you can post on our forum at //forums.naca.com/forum. You will received prompt attention to your questions or concerns.

Guest

We are very apologetic if you were receiving poor customer servicer from our Georgia office. We will be glad to investigate since this is not representative of the organization as a whole.

We will also be glad to review our file to be sure that all options available have been explored for you.

Please send me an email at lwillhite@***.com or you can post on our forum at //forums.naca.com/forum. You will receive prompt attention to your questions or concerns.

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Nonofyobizness S

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Verified Reviewer
| map-marker Dallas, Texas

NACA & Bank of America true Partners!

We've been trying to get a modification through NACA since August 2009. We keep getting the run-around.

Talking to a negotiator is actually talking to Bank of America...who could care less if we received a modification or not. Now when we try to call NACA we get a recording that states they are close call back during normal hours 8am-11pm EST. I called at 10:00 am EST.

Its all a bunch of *** and someone needs to put a stop to all of this fraudulent behavior! They are working together to make sure your life is ruin!

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2 comments
Guest

Bank of America has no "true" partners! The "investors" approval is a joke - there are no true known investor/s.

The laws and OTC orders to comply signed by all the major banks mid April 2011 with 60 days to comply...this should help us out -If the Banks abide. So far I have two cases which they have not reversed the illegal NOD's and they state they don't have to follow the laws (well that is what they tell me..yet inform the AG's OTC and the OCC that they are following the laws when I have letters from BOA stating they DO not have to follow the law...) ..it's absurd and insane..I'm constantly strung along since 2008' and each "new" excuse and delay the "in the meantime" put all us borrowers in a further burdened position as the interest accrue's at nearing 10% (mine about 20%) yet original start rate was 1.5%...

I hope NACA helps those that can afford a reasonable payment. At least the "original" payment figures - before the tripling of the payments and the veil was lifted on the Mortgage Back Securities when our grant deeds took on a "new form" MBS -and makes for a "voided" grant deed as this is not legal. The banks should just "allow" all the borrowers who were taken...especially in the critical 05-to 06' height of abusive activities by Countrywide.

I myself put over $700,000 cash into my properties and I am hoping to just gain my "original payment" terms and base it on original loan amount or market value.

My loans have near doubled and my payments tripled. I am not walking away from my down payments because I worked for 20 years to put my down payments. I've worked 18 hour PLUS days for years...and refuse to be taken by the Bank. The Banks have so far refused to follow any rules or order.

Borrowers are being abused at each step.

Guest

While NACA does have a working relationship with Bank of America, our number one goal is to advocate for the homeowner to be reviewed for the best modification possible based on Servicer/Investor/Guarantor guidelines and homeowners circumstances.

If you are in question as to whether you have been given this same kind of service with NACA, please send me an email at lwillhite@***.com with your naca id number and name so that I can investigate your situation.

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Anonymous
map-marker Greensboro, North Carolina

NACA is disorganized with poor customer service

I just closed on my house last week with NACA and I earned the interest rate I received. I had all of my information together, an average credit score, and no debt except a student loan. Still, they made the process the nightmare of my life for the past 10 months. The concept of NACA is good, but the service (for the type business it is) is horrible. I would advise anyone choosing to use the service to "gird your loins." In other words, be prepared for major frustrations, lost paperwork, no reply to your calls or emails. Also, know that it is not free. Volunteering five times a year is worth money. So it is an agreement to barter your services for theirs. I am not sure if it is incompetence or lack of caring, but they need to stop pulling so many people in until they can straighten operations out enough to be effective for more than a handful of witnesses. Also, know that upon closing, you do not have to go to the next workshop to give a testimonial. That is to pull more people in, which they are not prepared for at this time.
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14 comments
Guest

Well I'm in St.louis and I must say that NACA has been outstanding in helping me with Chase and Fanniemae they have been professional and knowledgable in each process so for and I am and have been truley greatfull, also my congressman Lacy Clay has been helpfull in this fight.

Guest

Be aware of some employees request more and more paperwork. I wonder they ask the same document repeatedly i have been now 5 months and still at the first step.

some of them looking for bribe. please advise the Charlotte office if any one have the same experiencing the one i had.

Guest

I have been in NACA *** since 6/5/10. My first MC had her last day on my first appointment and lost all my paper work.

so the office manager asked me to come in again and bring back my paperwork. The office manager then decided to play MC and lead me on for the next 11 months telling me how close I was. She even went so far as to tell me that the underwriter had my file and I should be approved withen 2 weeks. That was in march of 2011.

Then they fired her and and gave me a new MC who really isn't working on my file at all. I have an 800 credit score and no debt. I have begged and pleded and still nothing. This has gone on so long that I am literly sick over it.

I can't get any info or answers and they just leave me hagging. I have every email that was sent to and from all of them.

I have been lied to so many times and have proof of all of it. Who can I go to for help with the Oakland office?

Guest

I am in the home purchase also ,and I find it hard to contact my counselor . Today I needed guidance on how can I close in less than 60days, no one seems to respond to my e-mail.

I am not frustrated but I rather understand that counselors are busy, overwhelmed and disorganized and if I get an answer it is a miracle. No one like to be ignored, but sure NACA needs some internal restructure with customer service as a priority from answering a phone call to responding to an e-mail.

I have no doubt that this organization will change its ways to be the it program for the future, but if not now when?

On the other hand we as a borrowers need to do our homework and know that we have to be paper ready and expect to do more if asked ,basically we are working with our counselors to provide the missing pieces with an understanding that we will gain more by saving a lot of $$ in the future.

Thank you for all the hard working people at Naca, hoping that one day individual attention become the staple of this organization.

Guest

I am in the home purchase also ,and I find it hard to contact my counselor . Today I needed guidance on how can I close in less than 60days, no one seems to respond to my e-mail.

I am not frustrated but I rather understand that counselors are busy, overwhelmed and disorganized and if I get an answer it is a miracle. No one like to be ignored, but sure NACA needs some internal restructure with customer service as a priority from answering a phone call to responding to an e-mail.

I have no doubt that this organization will change its ways to be the it program for the future, but if not now when?

On the other hand we as a borrowers need to do our homework and know that we have to be paper ready and expect to do more if asked ,basically we are working with our counselors to provide the missing pieces with an understanding that we will gain more by saving a lot of $$ in the future.

Thank you for all the hard working people at Naca, hoping that one day individual attention become the staple of this organization.

Guest

We are very apologetic if you have been receiving poor customer Service at NACA. We will be glad to investigate this issue since it is not representative of our organization as a whole.

We will also be glad to review your files in particular.

You can email lwillhite at naca.com or go to our forum //forums.naca.com/forum where you can interact with other members who are and have been going through the same thing. We also have NACA staff that respond to all posts in a timely manner.

Guest

I cannot even express my frustrations with this program as we have been working with them since January of 2010 and it's now May of 2011. As of today, we have finally submitted everything they "need" after months and months of costly mistakes on their part that have caused this to drag on.

We were told we should hear something back within a week but I highly doubt that. We found a house we love and are anxiously waiting and praying that we get a chance to put an offer in on it before it's gone. We are exhausted and mentally spent at this point. VERY poor communications skills, missed details, etc.

I cannot wait until this is over. Say a prayer that it's soon.

Guest

I agree with Buckeye. I have been working with NACA for eight months now and have a MC that does not respond to email and have not submitted the documents that we worked so hard to provide qualification.

The MCs are overworked and will not look at your file unless you contact the office manager or higher. It is a very frustrating process due to poor customer service and having counselors that are overworked and really don't care. My counselor even asked me and my husband if our employers are hiring.

I wish I could say it is worth it. However, the no downpayment and low interest keeps you fighting, but as of right now I am ready to throw in a towel and go FHA.

Guest

Response to tony:

A good friend of mine got her mortgage through Wells Fargo. She had to resubmit her paper work several times because they didn't get it right the first time.

My point is you can't get a 1.75% mortgage or 3.5% mortgage going the traditional route. My husband and I would have been excellent candidates if it was possible. Also, we closed within a month of signing our contract. The process took about the same time as someone going through a bank directly.

Now, it may take longer for those who have current credit issues but it's worth the wait. Congratulations on selling your home in this market and good luck in Florida.

Guest

Response to Buckyeye fan. I had two traditional mortgages in the past and did not have that frustration.

matter of fact my last loan closed within a month of contract signing and this was 1998 when things were stringent. ( I sold my home to go to florida but did not go that is why I am re-buying in NY)

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Anonymous
map-marker Sacramento, California

NACA Pitfall

NACA Pitfall
Apparently NACA has a lot of clients and gets just $150 per completed processed mortgage. They really do not have the motivation to help if processing your mortgage will take longer than what it costs them ($150). Not only that, they have a lot of volunteers that aren't motivated to help either. Check out this link here if you're looking to do business with NACA or interested in having them help you: http://cambridgeprogrammers.com/NACA/ If you're a small business owner have a complicated mortgage like an ARM, check out another organisation. NACA will leave you in the cold.
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Agnes Iwn
map-marker Carmel, California

My 1st NACA experience-Save the Dream Tour LA January 2011

The first time I had heard about NACA, Neighborhood Assistance Corporation of America was last year in the midst of all the mortgage crisis plus the controversial ways NACA got things done including dumping a couch on the lawn of one top executive of a major bank. NACA is a non profit organization that has been holding events in major parts of the country for homeowners to be able to go to and get processed for loan modifications on the spot on their mortgage loans. Forward to January 2011 and NACA is doing what they call "Save the Dream" tour from January 20 through January 30, 2011 at the LA Memorial Sports Arena from 8 am to 11 pm daily. I am very curious about NACA, how much people get help, how many thousands of people do go and how organized is it. Today, I decided to check it out myself. I went to the Sports Arena and interviewed homeowners, volunteers and as well as the workers. See videos of this days visit to NACA's "Save the Dream" and find out what people are saying. Homeowners, be prepared to wait for hours and you may have to come back the next day or so as well. Also, be very clear that you understand all the terms and conditions of your loan modification before you accept or sign anything. It's better to do a loan modification or short sale than abandoning your home or go into foreclosure. Consult with your lawyer and or CPA.
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18 comments
Guest

Lori - I've had the same experience, NACA disappeared and Chase is not responding after a modification came through that didn't match up at all with what was confirmed 2 weeks ago. Went to NACA event in Ontario in the fall of 2012 and after 2 full 12 hour days, walked away being told "you'll definitely get a mod".

Chase offered a loan forgiveness which I accepted in Nov, then in Dec they said nevermind it wasn't approved. Then they requested for "updated statements" and a month later another modification that I accepted. Chase's quality dept. changed those terms that I agreed to and now I've got documents with $800 more per month in payments than originally agreed to.

Where is NACA to help? Not responding to calls, emails or scheduled calls. Where is Chase? Not responding because "a modification is non-negotiable".

I know the banks are doing this because the government is forcing them to, and of course the banks can say they tried to help but I will still lose the house.

Guest

Went to the NACA event June of 2011 in Las Vegas, finally received the Modification papers from BOA monday. HA HA amazingly these documents do not match the proposal I accepted in August.

Now I can not get a hold of anyone at NACA.

Phone lines are not open their stated hours, BOA supervisor says they can speak to me, because of NACA & that NACA set up the proposal. I wonder why the headache won't go away, Betting I lose my house before it does.

Guest

I got help on a modification after going to a NACA even in San Francisco 2 years ago. I have some good and bad things to say.

First of all if you plan on going to one of these events be prepared to wait and don't expect miracles! I had been cheated out of my money by two so called lawyers and was ready to give up when I was told about Naca I decided to try one of their conventions as a last resort. One thing that I advice everyone to do: MAKE SURE THAT WHEN YOU MEET WITH YOUR BANK YOU GET THE REPS NAME & EMAIL ADDRESS OR DIRECT PHONE NUMBER ALSO GET THE BUSINESS CARD OR EMAIL/ PHONE NUMBER OF THE BANK MANAGER IN CHARGE OF THE BANK TEAM THAT IS THERE! This saved me from loosing my home!

After Naca helped me out and I was promised a really good deal the day of the convention, I left there super happy, thinking everything was done & my nightmare was over, it wasn't! first of all make sure that you keep in touch with NACA, don't expect them to do everything for you, FOLLOW UP, it's your house you should care about this more than anyone, I was calling NACA every day, yes, I was waiting an hour or more every day to talk to them, I was also emailing my naca negotiator and even Bruce Marks! Make sure if someone else is already handling your modification, you stop that and take the rights away and notify your bank! In my case one of the so called attorneys almost sold my house on short sale without my permission and without notifying me, they were the ones handling my modification before going to NACA, so all the work at NACA went down the drain after the attorney put my house on sale!

I had to try and get NACA involved after that again with the prior agreement from the convention and it was very hard, LUCKILY I had the business card of the vise president of the loss mitigation and the business card of the vice president of the home retention department as well as the email to the bank negotiator who helped me at the NACA convention. I contacted Bruce Marks via email and also the bank excecutives to let them know about the promise to help me at the NACA convetion and how the attorney was selling my house without my permission, it took a lot of work and time but my home was saved. NACA & WELLS FARGO HELPED US, MY INTEREST RATE IS NOW FIXED AT 2% FOR THE LIFE OF THE LOAN, MY PAYMENT IS OVER $700 LESS THAN WHAT IT USED TO BE. One other thing that I should mention, a lot of people hang on to the theory that if their loan amount is not lowered a modification is not worth it, to me this was not important, you have to look at it this way (this is the way I see it) my loan amount was (2 yrs ago) about 300,000 my interest rate was adjusted to 2% fixed for the full life of the loan.

Would I rather have turned this away with the excuse that I could get a house that looks the same as mine for $150,000 or $175,000, well then my interest rate would have been at least 3.50 to 4%. In reality would I be left with enough credit to buy that lower priced house?

I think the answer is NO, so to me it made more sense to keep my existing loan with the lower interest rate than the lower loan with the higher interest rate.

GOOD LUCK TO EVERYONE WHO IS SEEKING A LOAN MODIFICATION, IT TAKES TIME PATIENCE AND IT DOES TAKE A TOLL ON EVERYONE, BUT STAY INVOLVED AND FIGHT TO KEEP YOUR HOME, GET AS MANY EXECUTIVES AS YOU CAN INVOLVED AND DON'T TAKE NO FOR AN ANSWER, REMEMBER THAT EVERYONE HAS A BOSS EVEN THE BOSS OF A BOSS HAS ONE, YOU CAN ALWAYS TRY TO CLIMB THAT LADDER AND GET SOMEONE THAT CARES. IF YOU HAVE QUESTIONS CONTACT ME, GOD BLESS

Guest
reply icon Replying to comment of Guest-413581

Please contact me. I would like to speak with you in person. Anthonygipson8 gmail

Guest

The new jersey office is very horrible. The people aren't professional especially the so call office manager.

Very loud and obnoxious. I went to naca with the intension of getting my first home before november with an excellent credit score. The consellor took for ever and every time you call his either on a family emergency or not.

Now trying to look into a bank and not to waste my time. All ***.

Guest

Sorry NACA didn't work out for some of ya'll. But they work out for me definately!

I got my mortgage reduced from 7% to 4% this was in 2010 in the same day at a save the dream event in palm beach. I drove 12 hrs..yes 12!! from atlanta because i wanted this so bad and i was on a budget and i was willing to do anything to save my house that i had work so hard to get..(same for alot of you)and when i tell you as soon as arrived barely got any sleep..went to sleep at 2am and was up at 4am to get in line...it was starting to rain and i said to myself..how bad do i want this to stand in the rain. made my decision made it there with in 5 minutes...it was a line already wrapped behind the building..but i waited it out and it was raining hard i was soaked by the time i got into the building but nevertheless i made it in..they gave us instructions on what to do and everything.

so to make a long story short i was there for 12 hrs start to finish and had a great outcome. I was so overjoyed i cried when they put me up on the stage to tell ppl about my success story who were still waiting!

My mortgage went from 1659 adjustable rate to 985 fixed(4%). So keep pushing.

Guest

I went to NACA event excited about Chase now working with NACA, however when I met with Chase the initial news was not favorable. Here is where I believe the above gave up.

I did not give up I was approached by one of the NACA negotiator's PAM and I explained what had just happened. She then kindly directed me to a Chase representative which fortunately was willing to hear our circumstances. If you go to a event do not give up, Bruce attends most of the events and their negotiators will assist you if you do not get a favorable solution. I'm glad that as upset I was that I stuck it out!

My interest was lowered and most of my delinquent amount was taken off. My payment went from 3200 at a fixed 6.5 percent to a 4 percent fixed. It works but you have to advocate for yourself and go to a in-person event and don't leave until you get the help you need. Believe me the Bank isn't making it easy, so you have to use the NACA staff onsite to advocate.

There is a difference between the staff and the volunteers. So make sure you speak to a staff member.

If that member can't help you, find another one. YOu will feel the presence of God, when you see people obtaining the impossible.

Guest

NACA is a joke! Just witnessed Bruce Marks, CEO of NACA, who just gave a interview with cnannel 5 news, in Los Angeles.

Sorry, Bruce, NACA DOESN'T HELP EVERYONE!

NACA, BANK OF AMERICA, AND FREDDIE MAC, YOU FAILED ME! I've dealt with NACA from 10/2009 to 4/2011.

Guest

NACA is a joke! Just witnessed Bruce Marks, CEO of NACA, who just gave a interview with cnannel 5 news, in Los Angeles.

Sorry, Bruce, NACA DOESN'T HELP EVERYONE!

NACA, BANK OF AMERICA, AND FREDDIE MAC, YOU FAILED ME! I've dealt with NACA from 10/2009 to 4/2011.

Guest

NACA is a scam !!!!!!!!!!!!!!!!!

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Anonymous
map-marker Mansfield, Texas

WORST ORGANIZATION ON EARTH!!!!

SOMEONE HELP ME UNDERSTAND HOW THEY TELL YOU YOU ALL THIS *** YOU GOTTA DO IN ORDER TO QUALIFY AND BE APPROVED AND AS SOON AS YOUR DONE YOU CAN'T REACH A COUNSLOR AND HAVE TO *** WORK JUST TO GET THEM TO SUBMIT YOUR PAPER WORK!! I DON'T KNOW ABOUT ANY OTHER NACA BUT THE ONE IN DALLAS IS HORRIBLE!!

MY FIANCE AND I HAVE JUMPED THRU HOOPS, BENT OVER BACKWARDS JUST TO SEE NOTHING HAPPEND! *** THEY WON'T EVEN RETURN PHONE CALLS OR EMAILS!! THERE HAS GOTTA BE SOME TYPE OF LEGAL ACTION WE CAN TAKE CAUSE APPARENTLY WE ARE NOT THE ONLY PEOPLE WHO ARE HAVING TRBL WITH THIS COMPANY!! I'M SO SICK OF THEM FROM THE REGIONAL OFFICE DOWN TO THE LOCAL CRAPP IN DALLAS TX!

ANTONIO EVERETTE AND THAT WHOLE DALLAS OFFICE NEEDS TO BE FIRED AND REPLACED WITH A MORE RESPONSIBLE STAFF WHO ARE TRYING TO HELP, NOT JUST GIVE YOU THE RUN AROUND!!!*** HE DOESN'T EVEN CHECK HIS EMAILS TO LET YOU KNOW HOW THE PROCESS IS GOING, OR WHAT YOU NEED TO DO NEXT!

PLEASE IF THERE IS ANY WAY YOU CAN AVOID GOING THRU THIS PROGRAM PLEASE PLEASE DO!! THEY ARE VERY UNPROFESSIONAL, LAZY, AND DISORGANIZED AND I WOULDN'T WISH THEM ON MY WORST ENEMY!!

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25 comments
Guest

ATTENTION:

Please provide your correct information and do not use names of Mortgage Consultants. I can only assist you if you provide the correct information.

When providing me with your information to my email address I need correct names and phone numbers.

For those of you that need assistance I will respond back. For those of you that will not provide the correct information please do not waste my time.

There are other people who need help that I can assist.

As always I will try my best to rectify all of your issues in a timely manner . Please send all emails to lmassey@***.com

Guest

You will hear from me . My email was provided for that purpose . I have already sent you an email and I am still waiting on you to respond. lmassey@***.com

Latay Massey

online operations NACA

Guest

Yes, I've had nothing but endless problems with NACA, if you're still employed with them contact me a huffkecki@***.com. Although I doubt if I'll ever hear from you.

Guest

Auction.com. What a loser organization.I thought it would be a good idea to try to purchase a property that is underwater.

I have followed several properties that were for sale but on moving to "completion" of sale. Some of them finally make it to Auction.com. I learn the "banks" are actually bidding against the "bidder", and the "auctioneer" is actually bidding for the bank, or "holder of the property". This seems an illegal act.

The bank should not be bidding against the non-bank bidder, and if the reserve is not met the bank should stop the auctioning of the property. And, at another time resume the "bidding". No one wins. And the "holder" of the property is wasting time and money on an auction that is going nowhere.

This action by the "banks" or any other holder ahould com to a complete stop. It seems illegal.

Guest

I WAS MOVED TO ADD TO THE PREVIOUS COMMENT. INCIDENTALLY, I CAN'T BE CONSIDERED A "YOUNG" LADY, AN AMERICAN BY IMMIGRATION- STATUS, HAS CREDITORS ALL OVER BUT HARD-WORKING.

I USED THE SAME ANTONIO EVERETTE HOWEVER, MY WHOLE PROCESS STARTED APRIL 1ST (SAT. WORKSHOP), BY JUNE 30TH I CLOSED ON MY HOME.

IT WAS A "PROCESS"(I MAY SAY) BUT IT ENDED AND I'M HAPPY THAT I PAY ALMOST $150.00 LESS THAN WHAT I PAID RENTING AN APARTMENT FOR 11YEARS. :)

Guest

I WAS MOVED TO ADD TO THE PREVIOUS COMMENT. INCIDENTALLY, I CAN'T BE CONSIDERED A "YOUNG" LADY, AN AMERICAN BY IMMIGRATION- STATUS, HAS CREDITORS ALL OVER BUT HARD-WORKING.

I USED THE SAME ANTONIO EVERETTE HOWEVER, MY WHOLE PROCESS STARTED APRIL 1ST (SAT.

WORKSHOP), BY JUNE 30TH I CLOSED ON MY HOME. IT WAS A "PROCESS"(I MAY SAY) BUT IT ENDED AND I'M HAPPY THAT I PAY ALMOST $150.00 LESS THAN WHAT I PAID RENTING AN APARTMENT FOR 11YEARS.

Guest

I used the Dallas NACA office the entire process took me 5 months from going to the workshop to closing on my home. I received a 3.315% interest rate & have been in my home for about 5 months now

Guest

You only went to naca coz nobody could help out !

Guest

NACA in Columbia, SC sucks I only know 2 people that finally got a house through them, out of me and hundreds others who had to go through hoops and run them down. I finally decided to get my credit right and go through another big mortgage company, but because the market so bad.

It's just horrible. I plan to buy in the next 2 years. I wouldn't refer Naca to anyone.

It's foolishness. NACA SUCKS!!!

Guest

I think they are a good organization but the staff in the Dallas office very slow. I have been on HOLD for 20mins.

and counting. I am just to afraid to hang because I will never get through again.

If they could fix the response times it would be so much better. Because right now I am just about ready to throw in the towel.

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Anonymous
map-marker Tuscaloosa, Alabama

POOR CUSTOMER SERVICE

I 'm writing this complaint to inform NACA about the unprofessional staff they have at the Birmingham office located at 529 Beacon Parkway, Suite-204, Birmingham, AL 35209. Buying a home should be a rewarding experience; there are a number of steps that you must take to qualify to purchase a home, especially if you've had some difficulty in the past...such as credit or monies in reserves. Once you past this point and able to purchase the buying process should be as normal. I understand all the required documents and request from the mortgage company. However, the lack of communication from the staff is unexceptable, they do not return phone calls or emails. They do not follow up like they promised in the initial meeting.

You should not leave message after message and emails daily and no one respond. Mortgage Consultant Veronica Lowery and Office Manager Candice Parnell have nasty attitudes and they are very unprofessional. You should not have clients waiting for you to get off a personal phone call for them to help you. They should not call you in at the last minute due to the lack of concern to get the process done in a timely manner. I am grateful for the opportunity to purchase a home, and yes I will close on this loan, but during the process you should have some respect for the client and their time. They should understand that we as potential home buyers work and need notice to give our employers to take time off from work when the mortgage consultant calls at the last minute to schedule an appointment.

At that point, you're rushed at the last minute to sign documents and not fully understanding what you're signing. It's almost like their unpaid and they don't care about their jobs....they just show up. This should be a rewarding time when people are able to purchase a home...you shouldn't get quick cut off answers and promises that someone will call you back. I will stay the program works and I'm buying a home but the communication and attitudes are awful.

Please get this to Bruce Marks and anyone else who has authority to reprimand these individuals. Thanks for your help.

Concern Member.

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14 comments
Guest

From my NACA experience, so far, and from listening to these reviews, I say: Continue to read reviews, ask around, research, and take notice of the "red flags" There really is something to the old saying, "If it sounds too good to be true, It probably is!!!!"After being in this program for 7 months, having submitted tons of documents twice, having been assigned two appointments and 3 counselors, having being asked to submit many of the same documents and proofs a third time, and being scheduled for a second counseling session, I'm ready to say so long to NACA and bid them goodbye & good riddance. Enough is enough, and this experience is unbelievable and extremely frustrating!!!!!! They do not live up to their promises and their hype!!!!I suggest that you: RUN (do not walk) AWAY!!

Guest

NEWARK OFFICE. four closing dates including three extensions and no closing.

They had all the documents but delayed so much into sending files to the bank that all documents expired and you have to send over and over.

Yet, they want everything right away when they call you.

How Do you contact Bruce Marks?

Guest

:( I am supposed to close with NACA soon but now they are saying that we need to get our title search again and a whole bunch of hoopla!!! If this orginization would keep in contact with their clients and the other departments that they work along with (HAND) they would be able to get things done.

I have to just pray, pray and pray because NACA is very unorganized but they dont admit to it or just make sure that they get things right so that clients are not so upset. Get it together NACA, without us you have no business.

Guest

Today Dec.8-2010 I called several times to customer service,I couldn't able to talk with no body because you have just a machine, it is very hard and alot off frustration for me, not to have any information about my loan modification.

My Counselor, Carol Bigelow ext#3790 that is what I have on my letter to reach this person 5 days a week never return my calls..So I been faxing to customer service some papers and documents and I requested very clear to have somebody to contact me but no ones care about.

I would like this complaint go with Mr.Bruce Marks so maybe he can really do something about it. The reason I worrie on my modification is because my loan mortage is with Chase bank,everbody knows Chase is a very negative to help Homeowners on their loan modification, but for another side You Naca, I see you not doing enough to help to move forward my modification, So where is the help you promisse to us.

Please contact me for anything you have for me. Thank you so much.

Guest

Complaint: My Couunselor never return back my phone call or emails. You naca don't care about our situation.

I been providing you papers to help you to do my Modification process faster, but looks that you don't relly care about.Also when I call to customer service naca number the phone call got disconnected. this is ***..

NZ

Jayna,

Who was your counselor at the Newark office?

Guest

I have to admitt, when I lived in Birmingham, I did start throught he Birmingham office and I did not like the way we were being treated by Veronica Lowry. She(who is african american BTW) was very rude and was looking at my family like we are just a bunch of poor, bad credit, negroes trying to get free assistance.

As she started to look through our files, she realized that we had excellent credit, we were college educated, had stable jobs, and were decent people not just looking for free assistance. When she discovered who we were, her attitude changed very quickly and she was the nicest person at that point. Of course it was all fake, but it just went to show us how selective she can be towards clients. We did not follow through with the program in Birmingham because we moved to New Jersey.

We continued the program in NJ and the staff was very nice and I loved them.

The process was long, but we got our home and we have a .64% interest rate. Do everything they tell you to do, even if they may be rude like Veronica.

Guest

Have anyone closed yet? and how long did it take?

Guest

this program is a joke! They do not work in the best interest of the member.

my real estate agent is working so hard for me. My counselor will not return phone calles or emails so i am basically not going to be able to close due to no return calls to assist me in my 1st home buying experience.

Guest
reply icon Replying to comment of Guest-210854

Did u use naca realator or did you find your own?

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