My NACA Counselor, Kevin, has worked so hard for me and made it easy for me to progress through the application process. I am excited about reaching the end of the application process and the purchase of a home. The NACA Mortgage program makes home ownership available to me and so many others like me. I would highly recommend pursuing a NACA Mortgage if you are looking to own a home with no down payment, no closing costs, and a minimum amount of savings. Best of all they offer ways to lower the interest rate you'll pay throughout the time you have a mortgage. Yes, there are rules and procedures, but you won't regret it.