Achieve the Dream Events

Complete the NACA Qualification process in one day to access NACA's Best in America Mortgage!

Memphis, TN (July 19 - July 21)

Next: NACA Initiatives

Affordable Modular Homes in Selma

NACA is building modular factory built, high quality, energy efficient affordable homes in Selma and then nationwide.

Watch the Video

Next: NACA's Mission

Leading the fight for economic justice

We’re committed to helping the underserved build generational wealth through access to affordable mortgages and financial assistance.

Next: A Story of Resilience

Selma Lottery Winner of a Free Home

Congratulations to the Winner, Tamicka Newberry, of the New Free Home in Selma, Alabama!

Read the Full Story

Next: Achieve the Dream Events

Become a Homeowner

Access NACA’s Best in America Mortgage

Purchase Program

Keep my home

Get assistance with an unaffordable mortgage & save your home

HomeSave Program

Find a home

Find an affordable home with NACA’s 
in-house realtors

NACA Realtors

Get Involved

Volunteer or work for NACA in the fight for economic justice

Join the fight

Equity for all

NACA fights to close the racial wealth disparity gap through character-based lending. We take our members’ circumstances into account to help make affordable homeownership a reality.





homeowners helped


NACA Mortgages


all HUD housing counseling


mortgage commitments

Homeownership within reach

Get access to NACA’s Best in America mortgage without consideration of your credit score through the most effective homebuyer program in the nation.

Below market fixed-rate

As of July 19th, 2024


30-year fixed


20-year fixed


15-year fixed

* The interest rates are the APRs since there are no closing costs, points or fees. The interest rate for Non-priority Members are as follows: 6.75% for 30-year fixed APR; 6.25% for 20-year fixed APR; 6.375% for 15-year fixed APR. Learn more about how we determine member priority.

NACA mortgage benefits

  • No down payment
  • No closing costs or fees
  • No mortgage insurance
Become a NACA homeowner

Real stories, real people

Our members are the reason behind our mission.


Achieve the Dream Events

Attend an event to access our services, meet with our team on becoming NACA Qualified


Upcoming in Memphis, Tennessee

Friday, July 19th through Sunday, July 21st

OUR story

A history of advocacy and service

NACA has spent the last 36 years working 
to challenge the industry and change lives.

Get involved

Join the fight

Stop corporate landlords

Cash investors are stealing the dream of homeownership. Help us campaign against corporate real estate investing.

Get involved

Fight for economic justice

NACA’s success is based on the active participation of our dedicated members and staff. Get involved today.

Become a NACtivist

Support our mission

Your financial support helps us make affordable homeownership a reality for thousands of each year. Donate today.

Donate to NACA
news & media

Connect with NACA

Listen, read and learn with us.

NACA LIVE American Dream Program episode #89

NACA EN VIVO Podcast episodio #35