NACA’s Best in America Mortgage

NACA’s Best in America Mortgage

August 3, 2021


By Anita Jones

Anita Jones

Anita Jones is a licensed Realtor with over 25 years of experience. Anita understands the home buying and home sale process. To connect with me, sign up on and/or log in to the platform to send her a private message. To connect with Anita, sign up for free / log in on

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NACA’s Best in America Mortgage

There are many first-time homebuyer programs and one of the best of these programs is the NACA program. NACA (Neighborhood Assistance Corporation of America) is a non-profit community advocacy and homeownership organization established in 1988 to assist homeowners and first-time homebuyer buyers with home ownership nationwide.

NACA has a success rate with the Purchase Program with $10billion in funding commitments. The agency is headquartered in Boston but has local offices Nationwide. California has an office in Hawthorne servicing Los Angeles County and there is an office in Upland servicing Orange and San Bernardino/Riverside counties.

The NAC’s Purchase Program is known as the best purchase product in America.  See the various Mortgage Terms below:

Mortgage Terms:

Property Type

Single or Multi-Family owner-occupied principal residence (2-4), including units in Condos, Co-Ops, or Mixed-Use buildings. Properties may be existing homes, new construction or homes in need of renovation

Down Payment

None Required

Closing Costs

None – Lender pays

Term & Interest Rate

Below-Market Fixed Rates
30-year term: 2.75% APR or 15-year term: 2.125% APR
(APR subject to change and may not be available at lock-in or commitment)

Buy Down

Funds to Permanently Reduce Interest Rate
One percent of the mortgage amount reduces the interest rate by one quarter of a percent (.25%) for 30 year mortgages and by half a percent (.50%) for 15 year mortgages. This is a tremendous added benefit.

Application Fee


Points and Fees


Credit History

Perfect Credit Not Required
Member’s personal payment history evaluated without consideration of his/her credit score.

Private Mortgage Insurance (PMI)

None – As a NACA Member you do not pay private mortgage insurance (PMI) which only protects the lender. You have access to NACA’s comprehensive post-purchase program through the Membership Assistance Program (MAP), free of charge for as long as you have your NACA mortgage.

In addition to the many benefits of the NACA Purchase Program, homebuyers can finance repairs into their mortgage (if there is sufficient budget).  Post closing counseling is available if needed.

First-time Homebuyers – please see to sign up for a purchase workshop and start your journey to home ownership utilizing Best in America Mortgage – NACA.

Homebuyers are required to work with a Realtor that has been approved by NACA.  I am an approved NACA Realtor.  I have worked with the program for the past 5 years.

Anita Jones, Realtor (00927288)

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