NACA’s mission is to provide the Best in America Mortgage to low- to moderate-income people and people purchasing in low-to moderate-income communities. Member status is defined as either Priority or Non-Priority based on their income compared with the median income in the Metropolitan Statistical Area (“MSA”) where the property they are interested in purchasing is located.  Priority Members, who have lower incomes, receive a significantly lower below-market fixed interest rate and a much larger geographic area to purchase a home.  Higher income Members purchasing in a lower income area also receive a significantly lower below-market fixed interest rate.

Use the information below to identify the MSA where you want to purchase. Since you can change your Member Status by purchasing a home in an MSA with a different median income, you may be a Priority Member in one MSA and not in another.

Priority Members

Low-to moderate-income Members (i.e., borrowers and co-borrowers) whose combined income is equal to or less than the median family income for the MSA where they are purchasing a home.

Non-Priority Members

Members (i.e., borrowers and co-borrower) whose combined income is greater than the median family income for the MSA where they are purchasing a home.

MSA Determination

Use the button below to open the tool that helps you find the MSA for the property you’re interested in by entering the ZIP code.