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 CHC 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 www.naca.com). 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.