NACA – America’s Best Mortgage Program The incredible NACA mortgage allows NACA Members to purchase or refinance homes with:

no down payment,

no closing costs,

no fees,

no requirement for perfect credit,

and at a below-market interest rate.

 Everyone gets the same incredible terms, including the below-market interest rate, regardless of their credit score or other factors. NACA also provides free, comprehensive housing services. NACA counsels Members into the extraordinary NACA mortgage using character-based lending criteria that takes each Member’s circumstances into account to determine whether they are ready for homeownership and what they can afford. This is in contrast to risk-based pricing where people are often given loans they cannot afford while brokers and others make tremendous fees and profits.