NACA is an awesome program but takes a lot of work and patience!
NACA is an awesome program. No down payment, closing costs or PMI. In addition, you can buy down the rate. That's unbeatable. However, it takes a lot of work. A lot! and a lot of patience! I've been in the program for a while and have seen it change a lot (over the years they limited the amount of buy down or how often one has to be re-qualified). What has remained consistent is my housing counselor, Gladys DeGutierrez. She has been awesome to work with! If you're willing to work hard and be patient, this program is worth it.