If I could give 0 stars I would. NACA is just as bad as the bank. They have a very catchy slogan and bold print that says no money down and no closing cost to draw you in, but they require the same things that normal banks require. My housing counselor was confused, misinformed, all over the place and every time I talked to her, she added in something new. I’m the type of person that I don’t like to waste my time and so if they would’ve just been honest to begin with, I would not have went through any of their classes. To have nothing on my credit report in the negative, all student loans, credit cards, car payments, paid as agreed and on time and not be qualified is absolutely crazy to me. Not saying that they do see me as a risk but if they did, why didn’t they just put down the extra money when they said no money down. I don’t like the gift of gab because that doesn’t work with me. I want something nice and I’m just going to go somewhere else, but I wish I would’ve known this starting this process in November 2024 because they completely wasted my time. Time is something that we can’t get back. Be CAREFUL fooling with them!!!!!! Explore all of your options because these reviews that I’m reading could be actors that they pay to write them! That is all!