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I had a foreclosure, bankruptcy, and a job making about $25,000 a year. I had a list of things I wanted in a house and things I didn't want. It took a while because my credit score was so low. Eight and a half years ago I lived an apartment paying $960 a month with no utilities included. Now I live in a (5 bedroom/3 bath, 1/2 acre, HUGE two-level flat backyard) home with a 2.5% mortgage payment of $556 per month. Even with taxes and homeowner's insurance, I'm paying over $200 less than what the apartment rented for.

If you do your part, NACA will do the rest. We only had to pay $15 at our workshop but would have paid more they had asked. The money was for the credit check. Stop whining and start doing what you need to do to get yourself/your family into that home that you will love and be proud of.

Toni Young,

Lithonia, GA

Product or Service Mentioned: Naca Mortgage.

Reason of review: Good quality.

I liked: No down payment, No money down, No closing costs, Program terms, Program.

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NACA Verified Representative

Thank you for your comments and sharing your success. Enjoy your home!


How much were you approved for if you don't mind me asking ?


8 and half years??? You didn't need NACA for that.

Could done this for yourself in a shorter amount of time. Work extra earn more, save money, improve credit.

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