NACA Counselor

Multiple Locations

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. A NACA Counselor provides comprehensive, individual, face-to-face housing and budgeting 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 individuals 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.

The Counselor is the Member’s primary point of contact through NACA Qualification and is responsible for adhering Members to NACA’s established requirements. The MC is a licensed Mortgage Loan Originator and continues to be the primary point of contact through bank application and closing. Whether an HC or an MC, the Counselor manages his/her own pipeline of Members while working within the underwriting guidelines for NACA’s Best in America Mortgage program. S/he ensures effective and timely communication, explains and requests necessary documents, and determines readiness for homeownership and an affordable mortgage payment for each Member. The Counselor also works with the Member to address and improve their financial management. 

Position Responsibilities

Day-to-day Activities:

  • Provide clear direction for a path towards homeownership. 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 through comprehensive financial counseling
  • 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 a higher mortgage payment 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 for Member to feel comfortable with their mortgage decision.

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 maintain an up-to-date file in the NACA-Lynx system.
  • 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. verification that the Member 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 ongoing 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 Mortgage and 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 Home Buyer Workshops.
  • Assist in outreach activities focused on low and moderate income communities, churches and job sites.
  • Engage in regular trainings
  • Obtain and maintain HUD certification
  • Other duties as assigned.

Job Qualifications


  • High School graduate or equivalency – Required
  • Bachelor’s degree – Preferred
  • Mortgage, real estate or finance courses – Highly Preferred


At least two years demonstrating some or all of the following:

  • Mortgage brokerage, origination and/or processing
  • Counseling or social work, such as school guidance
  • Relevant experience: teacher; customer service; mortgage loss mitigation
  • Real estate brokerage, training and/or experience
  • Financial counseling or advisory role
  • Ability to speak languages other than English, particularly Spanish, is a plus.

Mortgage Loan Origination License & HUD Certification:

A HC should be able to demonstrate their effectiveness as a Counselor and ability to be an effective MC.  A strong indication would be a significant number of NACA Qualifications after the initial training. NACA will provide assistance and coordination through the Compliance Department. To become licensed the Counselor must prepare for the federal exam(s) (state where applicable), pass the exam(s), and meet state licensing criteria. A MC must keep his/her individual license active and in good standing with the NMLS system in the respective states in which the MC is authorized to conduct business and cooperate with the NACA Compliance Department. In addition, the Counselor must become HUD certified within thirty (30) days of employment with NACA.  This requires adhering to the NACA provided training, studying for the test, obtaining a passing score, and completing the follow-up to become HUD certified.

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.



Multiple Locations

Time Demands

Approximately 45 to 50+ hours weekly and as necessary to meet the demands of the job. Typical working hours are: 8:30 a.m. to 6:00 p.m. weekdays, a late night(s), plus approximately a half-day two weekends every month for the Qualification/Homebuyer Workshops and/or counseling. During NACA’s Events (which are usually five days each including weekends) and other campaign activities, the Counselor may be required to work increased hours at NACA’s sole discretion.


The compensation consists of the Base Pay, Performance Pay and Monthly Bonus (see job description for details).


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 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.

Job Description PDF

This job description is solely for descriptive purposes and does not constitute a contract for employment.