The Member Advocate (“Advocate”) position is based in NACA’s Charlotte North Carolina Counseling Center counseling primarily homeowners in the Membership Assistance Program (“MAP”) and the Home Save Department. The MAP department works primarily with homeowners who have purchased through NACA and have a NACA Mortgage. The Home Save Department works with homeowners who have mortgages with other lenders/servicers who are at risk of foreclosure. The Advocate works directly with these homeowners to assist them in achieving an affordable mortgage payment and then to make such payments. The primary solution for most homeowners at risk of foreclosure or with an unaffordable mortgage is to defer the unpaid mortgage payment or to modify the mortgage. NACA has been the most successful organization to providing affordable solutions to over 250,000 homeowners through our extraordinary Save the Dream events and remotely from NACA’s Charlotte Counseling Center. The Advocate needs to understand and advocate for the most beneficial and affordable mortgage solution for Members. The Advocate would also participate in nationwide NACA events to counsel homeowners. The servicer or investor must approve the affordable solution for the homeowner. NACA has been extremely successful in making miracles happen.
NACA is the country’s largest HUD approved non-profit homeownership, housing counseling, and advocacy organization with more than three million Members strong and 47 offices nationwide. NACA has established a proven track record of 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 providing affordable homeownership in the United States. NACA has been on the forefront of fighting against abusive and discriminatory lending practices over more than 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 HUD’s largest 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 with $15 billion from Bank of America 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.
Built on this unprecedented track record of success, NACA is rapidly expanding across the country and is hiring many hardworking, dedicated, exceptional new employees. NACA continues its aggressive advocacy in fighting for economic justice for low to moderate income people and communities. NACA also continues to fight for economic justice, including eliminating unaffordable student debt, increasing taxes on the wealthy, reducing income inequality, ending structural racism, and mitigating climate change, among other issues. Employees at NACA have a tremendous impact on the communities and Members they serve. For more information about NACA or its history and programs, visit www.naca.com.
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. Counselors need to support and actively promote the organization’s mission, tactics, and advocacy. Such participation in and support of NACA’s aggressive advocacy campaigns and other activities is important in advocating for economic justice and expanding NACA’s Best in America Mortgage and homeownership program.
The Advocate works with a homeowner to obtain an affordable solution using a very strong understanding of solutions and government programs. The Advocate is responsible for:
- Counseling: Counsel the homeowner by developing a comprehensive budget to determine whether the homeowner can afford the mortgage.
- Affordable Mortgage Payment: Determine an affordable mortgage payment which should be the lessor of 31% of the homeowner’s gross income or the funds available from their budget (i.e. net income, less monthly liabilities, less monthly expenses).
- Affordable Solutions: Identify the servicer and investor to determine solution options.
- Homeowner Affordable Solution: Work with the homeowner to determine a solution to become current: modification, payment plan, deferral or another outcome supported by the homeowner.
- File Submission: Submit to the servicer a complete file including the required documents with the proposed affordable solution.
- Servicer Follow-up – Advocate with the servicer for Member’s affordable solutions. Communicate with the servicer to determine if additional documents or information is required.
- Decisions: Obtain a decision from the servicer within 30 days of the submission of the complete file. If the homeowner is denied by the servicer or investor, communicate this to the homeowner and advise them that NACA will continue to advocate as long as desired.
- Homeowner Communication: Communicate with the homeowner until there is an affordable solution or the file is closed.
- Foreclosure Sales: Postpone foreclosures to provide time to achieve an affordable solution.
- Outreach: Continually follow up with the Member to bring awareness regarding outreach, volunteering, etc.
- Other Assignments: Complete any assigned special projects.
EDUCATION AND CERTIFICATIONS
- B.A. or B.S. – Preferred
- High School Graduate or Equivalency – Required
- Mortgage and/or real estate courses – Highly Preferred
EXPERIENCE AND SKILLS
At least two years demonstrating some or all of the following:
- Experience and knowledge of NACA’s HomeSave program.
- Call center experience
- Counseling or social work, such as school guidance
- Mortgage brokerage, origination and/or processing
- Education (i.e., teaching)
- Loss mitigation
NACA seeks leaders with a positive and open attitude, a strong work ethic and relentless commitment to success with attention to detail. Refer to Core Competencies & Skills for details.
Typical workings hours are: 8:30 a.m. to 5:30 p.m. Additional time would be needed on some weekends and during NACA’s events.
The salary range is between $14 and $18+ per hour based on experience.
Comprehensive package: single/family health, vision, dental, 401(k) and more.
To follow-up and for inquiries regarding this and other positions contact NACA’s HR Department at [email protected] or call 617-250-6222 ext. 1221.
NACA is an equal opportunity employer and provides second chance opportunities. Minorities and bilingual people, particularly those who speak Spanish, are strongly encouraged to apply.
This job description is solely for descriptive purposes and does not constitute a contract for employment.