Leading the fight for economic justice

We’re committed to helping the underserved build generational wealth through access to affordable mortgages and financial assistance.


Become a homeowner with NACA’s Best in America Mortgage



Get assistance with an unaffordable mortgage & save your home

HomeSave Program

Find a home

Find an affordable home with NACA’s 
in-house realtors

NACA Realtors


Volunteer or work for NACA in the fight for economic justice

Join the fight

Equity for all

NACA fights to close the racial wealth disparity gap through character-based lending. We take our members’ circumstances into account to help make affordable homeownership a reality.





homeowners helped


NACA Mortgages


all HUD housing counseling


mortgage commitments

Homeownership within reach

Get access to NACA’s Best in America mortgage without consideration of your credit score through the most effective homebuyer program in the nation.

Below market fixed-rate

As of February 26th, 2024


30-year fixed


20-year fixed


15-year fixed

* The interest rates are the APRs since there are no closing costs, points or fees. The interest rate for Non-priority Members are as follows: 7% for 30-year fixed APR; 6.5% for 20-year fixed APR; 6.875% for 15-year fixed APR. Learn more about how we determine member priority.

NACA mortgage benefits

  • 没有首付
  • No closing costs or fees
  • No mortgage insurance
Become a NACA homeowner

Real stories, real people

Our members are the reason behind our mission.



NACA's incredible Achieve the Dream homebuyer events have provided over 50,000 homebuyers access to NACA's Best in America Mortgage.

NACA’s Achieve the Dream events in 2022 were an outstanding success. We had over 50,000 homebuyers attend these four and five day face-to-face one stop homeownership events.

Participants were able to complete all four key steps of our process:

  1. Attending a Homebuyer Workshop
  2. Inputting Information & Uploading document
  3. Having a One-on-One Counseling Session
  4. Meeting with a NACA Mortgage Specialist to be NACA Qualified for NACA’s Best in America Mortgage.

Watch the video showing these extraordinary events in Miami, New York City, Houston, Baltimore and Atlanta. Stay tuned for our multi-site events in 2023 in areas of America that have been historically overlooked and disinvested!

OUR story

A history of advocacy and service

NACA has spent the last 36 years working 
to challenge the industry and change lives.

Get involved

Join the fight

Stop corporate landlords

Cash investors are stealing the dream of homeownership. Help us campaign against corporate real estate investing.

Get involved

Fight for economic justice

NACA’s success is based on the active participation of our dedicated members and staff. Get involved today.


Support our mission

Your financial support helps us make affordable homeownership a reality for thousands of each year. Donate today.

Donate to NACA
news & media


Listen, read and learn with us.

NACA LIVE American Dream Program episode #89

Click below to listen to the latest NACA LIVE, American Dream podcast. Mondays 5:30pm ET/4:30 CT Live on FB and YouTube.

NACA EN VIVO Podcast episodio #35

Haz click aqui para escuchar el Podcast en Español NACA EN VIVO. Escuchenos todos lo martes en Vivo 5:30pm ET/4:30pm CT por FB & YouTube.