I've given them over 2 years of my time. I've done everything to comply. What NACA does is consistently find different ways to deny me of the opportunity of receiving a mortgage. They enjoy charging me money to constantly run "soft pulls" on my credit. They particularly enjoy having me pay annual fees to remain compliant with their demands. And their communication is absolutely atrocious. It takes months to schedule a meeting. They never answer their phones, or emails, unless you spend over a month of consistently calling them. They are the worst run program I have ever had the misfortune of working with.