Mortgage Counselor

The Mortgage Counselor (“MC”) provides comprehensive, individual, face-to-face housing counseling services in a local NACA office to primarily homebuyers in NACA’s Purchase Program. Additional counseling is provided to homeowners through NACA’s HomeSave program. A MC must be an advocate who provides comprehensive counseling and affordable outcomes. The MC 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.  NACA is the only job in the counseling and mortgage industry where an employee can provide primarily low and moderate income borrowers with an incredible mortgage, and make considerable income without engaging in abusive lending practices.

The MC must be a licensed Mortgage Loan Originator.  S/he is the Member’s primary point of contact through bank application while adhering to NACA’s established requirements.  The MCessentially manages his/her own pipeline of Members while working within the underwriting guidelines for NACA’s Best in America mortgage. The MC 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.



The MC provides comprehensive housing counseling to pre-approve a homebuyer for the NACA Mortgage or other mortgages (“NACA Qualification”). This 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 NACA Mortgage Department and authorized Office Manager review the NACA Counselor’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, and 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 to document next steps after each counseling session.
  • Qualify Members by reviewing payment history, liabilities and other credit information.
  • Work with Members to develop an affordable budget and address budget issues.
  • Work with the Member to calculate a monthly surplus to demonstrate that the Member can afford the mortgage payment and has the minimum required funds necessary for NACA Qualification.
  • Examine and process documents, addressing issues as needed.
  • Determine readiness for homeownership based on NACA Qualification criteria: eligibility, readiness, affordability and funds.
  • Understand the Member’s motivation to become a homeowner and provide clear direction.
  • Work with Members to improve their financial management.
  • Determine a maximum affordable mortgage payment and purchase price.
  • Address NACA Qualification conditions (if any) within 24 hours.
  • Educate the Member about alternative mortgage products or solutions.

Mortgage Origination:

  •    Assist Members during the housing search to purchase a home in his/her desired community.
  •    Review Member’s application for NACA Credit Access (i.e. meets the underwriting criteria).
  •    Submit Member’s mortgage application.
  •    Fulfill tasks that require origination licensing (discuss change of circumstances, loan updates, etc.).

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. S/he 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 the MC’s Performance Pay compensation, they are crucial for NACA’s continued success and for meeting NACA’s mission.

Other Activities:

  •    Present at Home Buyer and Purchase Workshops.
  •    Assist in outreach focused on low/moderate income communities, churches and job sites.
  •    Other duties as assigned.