Rental, Mortgage & Utility Assistance
Need help with your mortgage payment or landlord? Get access to government assistance for Rental & Mortgage assistance!Sign Up
NACA’s History of Extraordinary Success
For over 35 years NACA has been at the forefront of fighting against predatory & discriminatory lending!Watch Video
Individualized, comprehensive homeownership program to access the NACA mortgage - First step in the program: Homebuyer Workshop.
For low-to-moderate income people and communities. Details
NACA INTEREST RATE
All Members receive a below market fixed rate. At NACA, there is no shopping around for the best interest rate. Members’ credit scores, loan to value ratios, or debt to income ratios have no impact on the interest rate.
NACA provides two interest rates that are less than the market rate. This is based on the below criteria utilizing the Metropolitan Statistical Area (“MSA”) and the Area Median Income (“AMI”).
- Priority Members:
Priority Members are low to moderate income Members or Members purchasing in a low to moderate income census trac. They receive a mortgage one percent below market rate.
- Low – to Moderate – Income Members: Members who have a total bank application income that is 100% or less of the AMI in the applicable MSA where the Member is purchasing, or
- Higher Income Members Purchasing in a Low to Moderate Income Census Trac: Members who have a total bank application income greater than 100% of the AMI in the applicable MSA where the Member is purchasing and the Member is purchasing a home in a census trac with a median family income that is 80% or less of the AMI of the applicable.
- Non-Priority Members:
Non-Priority Members are higher income Members purchasing in a higher income area meeting NACA’s eligibility or other criteria. They still get a low rate without paying discount points, but one percent higher than Priority Members.
* HIGHER INCOME PEOPLE: 2.75%, 30-Year Fixed APR; 2.125%, 15-Year Fixed APR.Purchase Product
Not Yet a Member?
The first step in the Purchase Program is to complete the Homebuyer Workshop.
Purchase Education & Support
Register now to learn more about every step of the program and fast-track your path to homeownership
Rental & Mortgage Assistance
Get Help Now
Learn more about how NACA can help you overcome difficulties making your mortgage & rent payments due to economic hardship.
NACA’s success is based on the active participation of our over two million members advocating for affordable homeownership and economic justice. Learn how you can get involved today.
If you’re a Homeowner with an unaffordable mortgage payment or a tenant with an abusive landlord.
During the Covid-19 pandemic, thousands of low to moderate income and minority homebuyers are achieving the American Dream of homeownership thanks to NACA’s unequalled Best in America mortgage product.Read More
We want to thank our members for their extreme patience over the last few weeks as we have had to close all NACA offices to the public and move to a work-from-home operational model during the pandemic.Read More
NACA, the largest non-profit HUD approved housing counseling organization, is working with thousands of Invitation Home tenants to organize and advocate for their rights.Read More
NACA LIVE - American Dream Program Episode #19
NACA LIVE - American Dream Program Episode #18