Purchase Program


  • 2.75%
    30-yr fixed apr
  • 2.25%
    15-yr fixed apr
APR subject to change and may not be available at lock-in or commitment

NACA’s Best in America Mortgage

NACA is the best purchase program in America. NACA provides both comprehensive housing counseling and access to an incredible mortgage. NACA has over $13 Billion committed from some the country's largest lenders with everyone receiving these extraordinary terms:

  • No Down Payment
  • No Closing Costs
  • No Points or Fees
  • Below Market 30-year or 15-year Fixed Rate
  • No Credit Score Consideration
    (approval based on individual circumstances)


Coming Together, Fighting for Economic Justice

Everyone Receives the SAME terms

Today's Rates


30-yr fixed apr


15-yr fixed apr

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Who's Eligible?

NACA's mission is to provide affordable homeownership to low-to-moderate-income people and communities. Thus access to NACA's Best in America Mortgage is limited to low-to-moderate income people ("Priority Members") and people purchasing in low-to-moderate income communities ("Priority Areas"). NACA's eligibility is based on the median family income for a Metropolitan Statistical Area ("MSA"). Since NACA offices service a few MSAs each with different median incomes, you may be a Priority Member in one MSA and not in another. Also, check with the local NACA office to verify the purchase eligibility criteria, since there may be local adjustments to achieve NACA's mission and affordable outcomes.

Your purchase price plus any repair escrow funds (i.e. for repairs to be completed after closing) cannot exceed your approved Maximum Mortgage Amount or the current conforming loan limits. The current limits are $484,350 for a single family home in most areas and $726,525 in high cost areas with considerably higher amounts for multi-family properties.

NACA is the best option for people who have been discriminated against and those who have neither perfect credit nor substantial savings. Everyone who meets the below criteria receives the same extraordinary mortgage terms.

  1. Member or anyone in the household cannot own another property when they close on the NACA mortgage.

  1. Member must occupy the home as long as they have a mortgage obtained through NACA.
  2. Members need to participate in whatever way they feel comfortable.
  3. Members must adhere to NACA's policies and procedures.
    A.Priority Members - Low-to-moderate income Members (i.e. borrowers and co-borrowers) whose combined income is less than the median family Income for the MSA where they are purchasing a home (Click here for median income).

    • Priority Members can purchase any property within a MSA within the conforming loan limit.

    B.Non-Priority Member - Members (i.e. borrowers and co-borrower) whose combined income is equal to or greater than the median family income for the MSA where they are purchasing a home (Click here for Census Tract Median income)

    • Non-Priority Members can only purchase in a MSA's Priority Area with loan and required repairs within the conforming loan limit.

Areas We Serve & Purchase Price

Fill in the information below to find out where NACA provides service and accompanying purchase price.

Getting Started

The first step in the purchase process is to attend a NACA Homebuyer Workshop which is open and free to everyone. Every NACA office provides a number of workshops each month with additional workshops provided nationwide.

Find the next NACA workshop near you

Zip Code

Need Help?

Upon completion of the NACA Workshop, you need to schedule an appointment with a NACA counselor for a face-to-face meeting or phone counseling session. A counseling appointment can be scheduled through your personal Web-file which NACA has established for each member in our program. Your Web-File also includes the following: your status, next steps, document uploading into your electronic file.

If you are not clear on your next steps or have other question please contact your counselor. If you need further assistance call NACA's Member Services at 425-602-6222. We are committed to working with all homebuyers until they succeed in purchasing an affordable home. NACA homeowners have access to comprehensive post purchase assistance through NACA's MAP department at 281-968-6222.