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COMPENSATION: $60,000 to $100,000+ (including substantial production incentives)

FLSA: Non-Exempt

LOCATION: NACA Offices Nationwide

CONTACT: [email protected]

BENEFITS: Comprehensive package: single/family health, vision, dental, 401(k) and more



The NACA Counselor serves as the primary point of contact from the initial counseling session through closing (referred herein as “NACA Counselor”). The NACA Counselor assists low-and-moderate income people, and those subjected to systemic racism to achieve affordable homeownership (referred herein as “Members”) with the best mortgage in America while earning considerable income.  NACA’s Best in America Mortgage outstanding terms are – no down payment, no closing cost, no mortgage insurance, no credit score consideration, at a below market fixed interest rate. The NACA mortgage and other homeownership programs are superior to other homeownership programs. NACA Counselors are provided an instant pipeline of homebuyers.

The NACA Counselor’s performance requirements and compensation is outcome based with pay incentivizing positive outcomes for the Members. NACA Counselors continued employment is contingent on successful completion of their NACA training, becoming HUD-Certified, and licensed as a Mortgage Loan Originator (“MLO”) in the state/s where her/his office originates NACA loans

NACA continues its aggressive advocacy in fighting for economic justice for low to moderate income and people of color by addressing the racial wealth disparity gap and other issues. Employees at NACA have a tremendous impact on the Members and communities they serve. For more information about NACA or its history and programs, visit


NACA is the country’s largest HUD approved non-profit homeownership, housing counseling, and advocacy organization with more than three million Members and 47 offices nationwide. NACA has established a proven track record over three decades, not only earning respect for its operations but also becoming feared by predatory lenders. NACA’s reputation is built on being the most effective organization in the country at providing affordable homeownership. NACA has been on the forefront of fighting against abusive and discriminatory lending practices over the past thirty years. NACA is aggressively hiring hardworking, relentless, and dedicated individuals who are willing and eager to fight for economic justice and racial equality.  NACA provides unprecedented opportunities for its staff to do well financially by doing good.

Founded in 1988, NACA has won campaigns against some of the country’s most powerful companies and individuals engaged in predatory and discriminatory lending. NACA’s success is a result of its relentless confrontational advocacy as well as state of the art systems and operations. NACA’s purchase program provides   comprehensive counseling as the largest HUD approved housing counseling agency (through its Neighborhood Stabilization Corporation subsidiary) with access to NACA’s Best in America mortgage, requiring no down payment, no closing costs, no mortgage insurance, no need for perfect credit, and always at a below-market, fixed interest rate. NACA has more than $20 billion in mortgage commitments from Bank of America and other major lenders to fund this extraordinary mortgage. NACA is also the most effective organization in providing affordable solutions to homeowners with an unaffordable mortgage and has done so for more than 500,000 at-risk homeowners nationwide through its HomeSave program.

Advocacy in Support of NACA’s Mission:

Employment with NACA requires ongoing participation in NACA’s advocacy, outreach, community organizing, and other activities as determined by NACA. NACA Counselors must support and actively promote NACA’s tactics and mission of fighting for economic justice including participation in NACA’s aggressive advocacy campaigns and other activities.  This is also important in expanding NACA’s Best in America Mortgage, homeownership, and other programs. While these activities are crucial for NACA’s continued success, they may reduce the available time for NACA Counselor’s to work with their Members and impact their Performance Pay compensation in the short term.  These activities contribute to long term production as they contribute towards awareness in the community of NACA’s product and services.


The NACA Counselor manages a pipeline of Member files assigned to her/him and provides comprehensive, individual housing and financial management counseling services in a local NACA office or by video conferencing.

The NACA Counselor helps Members overcome the roadblocks that prevent them from qualifying for a mortgage loan and purchasing a home. The NACA Counselor ensures effective and timely communication.  She/he explains the mortgage criteria, requests necessary information and documents, assess readiness for homeownership, and determines an affordable mortgage payment considering each Member’s particular circumstances and goals based on NACA’s policies and procedures. The NACA Counselor also works with Members to address and improve their financial management skills.  In addition, NACA Counselors must be knowledgeable with all NACA programs to provide counseling, assistance and solutions to homebuyers, homeowners and renters with an unaffordable housing payment.

The NACA Counselor utilizes NACA’s state-of-the-art client management system software called NACA-Lynx which enables paperless comprehensive housing counseling and mortgage processing. The NACA Counselor works with Members to become qualified primarily for the NACA Mortgage based on NACA’s character-based underwriting criteria and compensating factors (“NACA Qualification”). While this can be achieved quickly for some Members, it may take several months or longer for others. A NACA Mortgage Specialist reviews the NACA Counselor’s assessment to confirm if the Member should be NACA Qualified or requires additional counseling or documentation. NACA Counselors are provided support staff and processes to assist in their success. 

The NACA Counselor utilizes problem solving skills and financial management guidance to help Members achieve affordable homeownership always maintaining a professional appearance and demeanor while providing outstanding customer services. She/he must be able to work independently with Members and in coordination with other NACA departments. The NACA Counselor must manage their time effectively to provide accurate, comprehensive counseling sessions within specified time limits. 

The NACA Counselor provides comprehensive housing counseling as well as the mortgage related activities described below. The NACA Counselor’s daily responsibilities include working with Members on the following:  

  • Provide a clear direction for a path towards their homeownership goals and improve their financial management skills.
  • Utilize NACA-Lynx to accurately complete documentation and data entry for efficient and paperless NACA Qualification and mortgage processing.
  • Document files with written narratives and identify action items for the Member to complete after each counseling session.
  • Review payment history, income, liabilities, assets, and other criteria to determine eligibility for the program, readiness for home ownership and mortgage payment affordability.
  • Develop a realistic monthly budget and address budget issues. This includes calculating a monthly cash flow surplus to establish a Member’s long term affordable mortgage payment. 
  • Work with Members for as long as it takes to resolve payment history issues, to reduce debt and/or adjust expenses as needed to meet their purchase goals. 
  • Define a plan to save the minimum required funds to make the home purchase. 
  • Determine a maximum affordable mortgage payment and define a path to achieve Member’s homeownership purchase price/goal.
  • Examine and process documents and address issues as needed.
  • Address NACA Qualification conditions (if any) within 48 hours.
  • Provide information on alternative mortgage products and options for the Member to make a well-informed home purchase and mortgage decision.
  • Assist Members during their housing search to purchase within their affordability and eligibility.
  • Maintain communication during the Member’s housing search to address any changes to the criteria used for their NACA Qualification.  
  • Review and process Member’s application for NACA Credit Access to ensure the Member and the property adhere to NACA’s criteria.
  • Assist in submitting the Member’s mortgage application.
  • Address lender conditions.
  • Assist the Member through closing to facilitate the mortgage process. 

Other Activities and Requirements

  • Talleres actuales para compradores de vivienda.
  • Assist in outreach activities focused on low- and moderate-income communities, churches, job sites, events, etc.
  • Participate in regular trainings.
  • Participate in NACA events and campaigns.
  • Otras funciones asignadas.


NACA Counselor’s total compensation consists of Base Pay, Overtime, Performance Pay, and Monthly Bonus Payment (must be a licensed MLO to receive Performance Pay and a Monthly Bonus). NACA does not allow any NACA employee to charge the Members or others for any service provided, nor to add any product to the loan, receive a referral fee, or do anything else to increase compensation.

NACA Counselor’s compensation is structured to allow her/him to earn an overall compensation from $60,000 to $100,000+ with a significant portion from their Performance Pay. The NACA programs are so outstanding that a significant portion of the compensation is the Performance Pay.  The NACA Counselor achieving the minimum requirements will earn a minimum of $60,000 per year with the opportunity and expectation to earn significantly higher compensation. The Base Pay is $15.00 per hour, or greater if required by state law, plus any applicable overtime. The Base Pay is to compensate for outreach, NACA’s advocacy campaigns, and other activities set forth by NACA and not to be considered the main source of compensation. NACA Counselors may be required to participate in NACA campaigns and events, which may occur on weekends, weekdays, or require extended hours. The compensation for these events may be different than what is stated herein as determined at NACA’s sole discretion.

Performance Payment

Performance Payment is significantly higher for services provided to Members in greatest need of NACA’s program(s). These Members are low to moderate income Members and higher income Members purchasing in low to moderate income areas.  The NACA Counselor earns Performance Payment for the following outcomes subject to criteria and counseling requirements.

  1. NACA Qualifications
  2. Closed NACA Purchase Loans
  3. Closed NACA Refinance/Rehab Loans
  4. Bonus Payment for NACA Loans


A NACA Counselor works approximately 45 to 50+ hours weekly and as necessary to meet the demands of the job. Basic work hours are: 8:30 a.m. to 6:00 p.m. weekdays and some late night(s). Two Saturdays are additionally required every month for homebuyer workshops and/or counseling scheduled from 8:30 a.m. to 1:00 p.m. A NACA Counselor may be required to work increased hours and weekends for campaigns, events, and other activities at NACA’s sole discretion.  NACA Counselors are required to work from a NACA office where they can be most effective and receive ongoing support. NACA may hire a NACA Counselor to work temporarily or permanently from their home using video conferencing based on NACA’s needs and individual circumstances. NACA Counselors must maintain punctuality to ensure accountability to team members, management, and their assigned Members.


NACA Counselors must demonstrate effective counseling, understanding of NACA’s policies and procedures, and obtain their licenses and certifications during the 10-week training and development period, which NACA may change at its discretion (“Development Period”). During the Development Period the NACA Counselors must:  1. become HUD Certified through the HUD certification process; 2.  become a licensed MLO through the National Mortgage Licensing System; and 3. meet NACA’s Pre-purchase program training requirements. During the initial six months of employment including the Development Period, NACA Counselors can receive Performance Pay for NACA Qualifications and NACA closings without having to meet the monthly or quarterly minimum requirements.

Employment at NACA is contingent upon successfully completing the Development Period requirements. NACA Counselors are provided with free comprehensive training, including classes, test preparation, support, mentorship, training to be an effective NACA Counselor, and the opportunity to create a strong base of Members. It is the NACA Counselor’s responsibility to study and utilize the support and tools provided by NACA to meet the training requirements, pass the exams/tests, and meet the licensing/certification requirements. NACA provides and pays the costs associated with certifications, including training and study time, pre-licensing education coursework, materials, tests, additional state class requirements, fingerprints, continuing education, and other requirements consistent with NACA’s policies and current regulations. NACA also provides pre-purchase training and ongoing support.  


NACA seeks leaders with a positive and open attitude, a strong work ethic, relentless commitment to success, attention to detail, and the ability to meet aggressive deadlines and ambitious goals. They are expected to have a high level of core competencies and skills as part of their personal characteristics and professional experiences in the following areas: communication, organizational skills, professionalism, customer service, time management, positive leadership, computer skills and mission driven. The Competencias y habilidades básicas are described in detail at

Education & Certifications

 High School graduate or equivalency – Required

 Bachelor’s degree – Preferred

 Mortgage, real estate or finance courses – Highly Preferred


Los solicitantes deben completar la solicitud en NACA is an equal opportunity employer. Minority and bilingual individuals, particularly those who speak and write in Spanish, as well as second chance applicants are strongly encouraged to apply. To follow-up and for inquiries regarding this and other positions contact NACA’s HR Department at [email protected] or call 857-328-8909.

This job description is solely for descriptive purposes. NACA reserves the right to make unilateral changes to this job description, including the compensation for all staff or on an individual basis. NACA may also change the compensation during campaigns, activities, and events at its discretion. This job description does not constitute a contract for employment. Nothing herein shall limit NACA in its sole discretion from terminating an employee for any reason or no reason with employment on an “at-will” basis.