NACA Counselor

A NACA Counselor (“Counselor”) can be either a Housing Counselor (“HC”) or Mortgage Counselor (“MC”).  The expectation is that one would begin as a HC and become an MC within six months of employment. The exception would be in the Charlotte Counseling Center where conversion to an MC is encouraged but not required. A NACA Counselor provides comprehensive, individual, face-to-face housing and budget counseling services in a local NACA office or by phone and video conferencing from the Charlotte Counseling Center to Members in NACA’s Purchase Program. The focus is on low and moderate income and minorities who have been locked out of affordable homeownership. The Counselor 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 Counselor must be an advocate who provides comprehensive counseling and affordable outcomes. Additional counseling is provided to homeowners with an unaffordable mortgage through NACA’s HomeSave program. 

NACA is likely the only job in the counseling and mortgage industry where an employee can provide many low and moderate-income borrowers and those locked out of affordable homeownership with an incredible mortgage while earning considerable income.  The NACA mortgage and homeownership program are so superior that they require minimal marketing efforts. NACA provides an instant pipeline of homebuyers without the need to generate leads which allows the Counselor to be dedicated to counseling Members and in securing the NACA Mortgage.

The HC is the Member’s primary point of contact through NACA Qualification while adhering to NACA’s established requirements. The MC, who is a licensed Mortgage Loan Originator, continues to be the primary point of contact through bank application and assists the Member through closing. The Counselor 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. The Counselor also works with the Member to address and improve their financial management. 

The Counselor maintains a professional demeanor and provides outstanding customer service at all times. The Counselor educates the Member on his/her next steps at each stage of the process and utilize problem solving skills and excellent budget guidance in order to provide sound counseling, and help the Member overcome obstacles. S/he must be able to work independently with Members. The Counselor must also have the ability to manage time effectively without procrastinating or avoiding tasks and must complete effective counseling sessions within specified time limits in an accurate manner, prioritizing ready Members and effectively managing their pipeline with a full calendar and timely communication with Members.

When a Member decides to seek the NACA mortgage product, only the MC can assist them in securing a NACA mortgage or engage in other mortgage origination activities or issues regarding a mortgage application for a specific property. The NACA Mortgage Department is primarily responsible for processing and closing the loan including addressing lender conditions, obtaining title and homeowners insurance.  The MC can assist in addressing conditions and other activities to facilitate the Member in a timely manner without conflicting with the Mortgage Department’s activities.    

The HC, whose duties exclude mortgage origination activities, is not required to be licensed through the National Mortgage Licensing System as a Mortgage Loan Originator (“MLO”) when beginning employment. The HC hired in a local NACA office, other than the Charlotte Counseling Center, is expected to transition to a MC within six (6) months of employment. In such a transition, NACA will reimburse a HC who becomes a MC the cost of a continuing education course, a federal and state test fee, and clearing a fingerprint and a background check to become licensed through NMLS. The MC compensation is significantly higher than a HC.



The Counselor provides comprehensive housing counseling to pre-approve a homebuyer for the NACA Mortgage or other mortgages (“NACA Qualification”). The Counselor utilizes NACA’s state-of-the-art content management software called NACA-Lynx providing paperless housing counseling and mortgage processing.  Also, the Member is provided with their own Web-file for uploading documents, data inputting, status updates and much more. Through NACA-Lynx the Counselor assesses the Members readiness for homeownership with a realistic purchase price for their desired area and works with the Member to become NACA Qualified. 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 Counselor essentially underwrites the Member based on NACA’s character based and compensating factor underwriting policies. A NACA Underwriter in the Mortgage Department or Director of the local office reviews the Counselor’s determination to make the final decision on whether the Member should be NACA Qualified or requires additional counseling or documentation. The specific job responsibilities include the following:  

  • Understand the Member’s motivation to become a homeowner and provide clear direction.
  • Work with Members to improve their financial management.
  • 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 Members to save minimum required funds to make the home purchase. 
  • Work with the Member to calculate a monthly surplus to demonstrate that the Member can afford the mortgage payment and maintain the property over the long term.  Examine and process documents, addressing issues as needed.
  • Determine readiness for homeownership based on NACA’s Qualification Criteria: eligibility, readiness, affordability, funds and compliance.
  • 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 (limited to MC): 

  • Stay in contact with the NACA Qualified Member to ensure the Member maintains the parameters under which they were NACA Qualified while searching for a property, and update the file accordingly. 
  • Assist Members during the housing search to purchase a home in his/her desired community.
  • Provide property specific letters.
  • Review and process 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.). 
  • Assists the Member through closing as appropriate to facilitate the mortgage process. 

 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 Performance Pay compensation, they are crucial for NACA’s continued success and for meeting NACA’s mission.  

 Other Activities:

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