Counseling Center - Housing Counselor

The Counseling Center - Housing Counselor (“CHC”) provides comprehensive, individual, housing counseling services by phone to Members in NACA’s Purchase Program. A CHC is an advocate who provides comprehensive counseling and affordable outcomes. The CHC helps homebuyers overcome the roadblocks that prevent them from purchasing a home. This consists of individual counseling to qualify for NACA’s Best in America mortgage.

The CHC is the Member’s primary point of contact through NACA Qualification while adhering to NACA’s established requirements. The HC essentially manages his/her own pipeline of Members while working within the underwriting guidelines for NACA’s Best in America mortgage. S/he ensures effective and timely communication, explaining and requesting necessary documents, determining readiness for homeownership and an affordable mortgage payment.  S/he works with the Member to address and improve their financial management. 

NACA’s Purchase Program attracts large numbers of homebuyers with what has been established as the Best Mortgage in America. The NACA mortgage requires no down payment (i.e., 100% loan-to-value), no closing costs, no fees, no consideration of credit score, flexible credit requirements, and a below-market 30-year or 15-year, fixed interest rate (for the current rate, go to our website at  NACA provides the same interest rate and mortgage terms for all mortgage applicants without consideration of their credit score.  Virtually all Purchase Program loan applications are approved by participating lenders who have committed over $13 billion to the NACA program.  The NACA mortgage and program are so superior that they require minimal marketing efforts. NACA provides an instant and large pipeline of homebuyers without the need to generate leads. Once the Member is pre-qualified (i.e. NACA Qualified), he/she is referred to the Office Manager or MC in a local NACA office to begin the housing search and the mortgage process.



The CHC provides comprehensive housing counseling to pre-approve a homebuyer for the NACA Mortgage or other mortgages. This pre-approval or NACA Qualification requires full documentation based on NACA’s policies and procedures. For some Members, this can be achieved quickly while for others it may take several months or more. The CHC is the primary point of contact throughout the qualification process. The NACA Underwriting Department reviews the CHC’s assessment of the Members readiness for homeownership with a realistic purchase price for their desired area. The NACA Underwriter makes the final determination on whether the Member should be NACA Qualified who may require additional counseling or documentation. The specific job responsibilities include the following:  

  • Work with NACA’s software to accurately complete documentation and data entry for efficient and paperless qualification.
  • Write narrative analyses and action plans documenting next steps after each counseling session including documents, clarifications and explanations as needed.
  • Qualify Members by reviewing payment history, liabilities and other credit information.
  • Examine and process documents, addressing issues as needed.
  • Work with homebuyers to determine and document that the Member is ready for  home ownership.
  • Understand the Member’s motivation to become a homeowner and provide clear direction.
  • Work with the Member to develop an affordable budget and address budget issues.
  • Work with the Member to improve their overall finances.
  • Determine a maximum affordable mortgage payment and purchase price.
  • Educate the Member about alternative mortgage products or solutions.

 Advocacy in support of NACA’s Mission:

Employment with NACA requires on-going participation in NACA’s advocacy, outreach, community organizing, and other activities as determined by NACA. He/she needs to support and defend the organization’s philosophy, tactics and advocacy. Such participation in and support of NACA’s confrontational advocacy campaigns and other activities is important in achieving NACA’s mission of advocating for economic justice and expanding NACA’s best in America homeownership program. While these activities may impact a CHC’s Performance Pay compensation, they are crucial for NACA’s continued success and for meeting NACA’s mission.