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The mortgage crisis is the result of unbelievable greed and exploitation by Wall Street and the largest financial institutions. While the major lenders in America and the world try to blame the homeowners, it is clear that they provided mortgages to working people that were structured to fail.

NACA has been in the forefront of fighting these lenders as well as being nationally recognized as the largest and most effective organization in assisting homeowners with an unaffordable mortgage. As a result of NACA’s aggressive advocacy and state-of-the-art operations, we have legally binding agreements with all the major lenders/servicers and investors (i.e. Fannie Mae and Freddie Mac) covering approximately 90% of homeowners to achieve an affordable solution. You should not pay anyone to achieve your affordable mortgage payment. All of NACA’s services are Free.

NACA has assisted over a quarter- of-a-million homeowners achieve affordable solutions nationwide. Free. The primary NACA solution is to restructure the mortgage by permanently reducing the interest rate to as low and 2% and sometimes reduce the outstanding principal saving hundreds and sometimes over a $1,000 a month.

If you are beginning the Home Save process complete the Web-submission (identified below) which requires information about you and your finances. After you complete your Web-Submission, contact NACA’s Membership Assistance Department (“MAP”) at 281-968-6222 where you will be assigned a MAP Advocate. Your MAP Advocate will do a phone counseling session to submit your file to your servicer and will assist you throughout the process to obtain an affordable solution. You should contact the MAP Department at any time to obtain a status of your file and to have a MAP Advocate assigned to you. You can also have a face-to-face appointment with a counselor in a local NACA office. In addition, NACA provides you with your personal Web-File, which is continually updated by your Servicer and NACA, with your status, next steps, proposed solution which you can review and accept, and most importantly the ability to input your auction date so NACA can work to suspend it while working with you.

If possible you should attend a NACA American Dream event consisting of five days with all the major servicers and investors on-site. NACA has done over 140 of these extraordinary events around the country over the past five years with tens of thousands of participants and are doing more this year (future events are listed below). There is nothing like meeting face-to-face with your lender/servicer to explain your situation and having a NACA negotiator there as your advocate. Many homeowners are able to obtain a same-day solution at these events saving hundreds of dollars and some over a $1,000 a month in their mortgage payment. These events have been profiled in the national and local media as incredible successes including highlighted on 60 Minutes where many of the homeowners received same day solutions. While we can assist you without attending an American Dream event, these are the best place to go for immediate assistance and solutions.

Web-File / Existing Members
Web-Submission / First Step

NACA has developed a streamlined process to best assist you. It is very important that you follow the below steps to achieve your affordable solution. If you are not clear on your next steps or have other questions please contact the MAP Department at 281-968-6222. The advocates in the MAP Department are specialized in assisting homeowners in submitting their files to the servicer and working with the homeowner and the servicer or investor in obtaining an affordable solutions. You should continually access your Web-File for updates and next steps prior to calling your MAP Advocate.

You can start the process by inputting your information through our website. There are ten sections that require personal, property, mortgage and financial information for you and co-borrower(s). This can be done over a period of time. Complete as much as possible since the more information and documentation you submit the faster and more effectively we can meet your needs. You need to be completely accurate and honest. We will require verification of the information you submit. If you are not sure or comfortable on utilizing the website, contact the MAP Department at 281-968-6222 or your local NACA office.
Web-Submission / First Step

Once you have provided both your and the co-borrower(s) information in section one of the Web-Submission, you will receive two emails. The first would be your user-name and the second your temporary password which you would use to create your personal password. With your user-name and password, you can access your personal Web-File where you can access updated information on your status, learn your next steps and many other functions. You can make an individual counseling appointment through your Web-File for either face-to-face session in a local NACA office or by phone. You can also call the MAP Department to be assigned a MAP Advocate who would work with you to submit your file to your servicer and advocate for your affordable solution. They can also assist you if you want a face-to-face session in a local NACA office. If there are Home Save Workshops in your area we strongly encourage you to attend to learn more about NACA and the Home Save process. These are free and you will be better prepared to quickly obtain an affordable solution.

NACA’s Membership Assistance Program (“MAP”) advocates are only available by phone to work with homeowners with an unaffordable mortgage to achieve an affordable solution with their servicer/lender and investor. Phone sessions are available sooner and at more flexible times. When you call the MAP Department you will be assigned a MAP Advocate to work with you throughout the process in obtaining an affordable solution. You can contact your MAP Advocate any time through their direct extension or sending an email using your NACA email (i.e. “email(Member ID)@nacalynx.com”). If you are beginning the Home Save process, you will discuss the required documents and information necessary to submit your file to the entity who services your loan (i.e. the lender or entity who sends the monthly mortgage statements). If you are prepared, your MAP Advocate would immediately do a counseling session to submit your file. If you need to submit the documents and information, you would schedule a counseling session with your MAP Advocate. In addition, contact the MAP Department if you have submitted your file thorough phone or a NACA office and need an update or a MAP Advocate to assist you in obtaining an affordable solution with your servicer.

You need to submit the following documents by fax, email, upload or bring them to your meeting with a counselor in a local office. The most effective and fastest way to assist you is to submit the documents into your electronic file by any of the following three options:
  1. Personalized fax cover sheet that has your Member ID and faxing to 1-877-Fax-NACA (1-877-329-6222)
  2. Personalized email (i.e. “email(NACA-ID)@nacalynx.com)
  3. Upload from your computer
Documents Required to Submit Your File to Your Servicer:
  • Income Verification:
  • Employment Income (paystubs - most recent 30 days)
  • Self-employment (bank statements – last six months)
  • Completed Web-Submission
  • Tax Authorization - form 4506T-EZ or 4506T
  • Authorization Agreement – signed electronically in Web-Submission or signed fax
  • NACA Membership Agreement – signed electronically in Web-Submission or signed fax
  • Hardship Affidavit – signed through your Web-File after file submitted to Servicer
  • Dodd-Frank Certification – signed electronically or signed fax
  • HAMP Opt-Out – signed electronically or signed fax
Recommended if Available (not required unless requested by Servicer):
  • Tax Return – (most recent)
  • Mortgage Statement (most recent month available) for first and second mortgage
  • Property Tax Bill (most recent month available)
  • Homeowners Insurance Bill (you can obtain from your insurance agent)
  • HOA (Homeowners Association) Statement
A MAP Advocate or local counselor works with you to complete a budget documenting a mortgage payment you can afford over the long-term and obtain required documents. The Affordable Budget determines an affordable mortgage payment based on an analysis of your current financial situation. If completed accurately and completely, it will show the mortgage amount you can afford based on a tight budget consisting of the following:

Affordable Budget:
    Net Income:
      Required Liability Payments
      Required Monthly Expenses
      Allowance for Non-Recurring Expenses (usually $200)

    Net Available Income for a Mortgage Payment (i.e. Principal, Interest, Taxes and Insurance)
Your budget would be verified with documentation including pay stubs and liability payments from your credit report. The NACA recommended solution with your budget and supporting documentation is submitted to your servicer electronically.

The most viable and appropriate solution for most homeowners to save their home and to achieve true affordable homeownership is to restructure their existing mortgage (“Mortgage Restructure). A Mortgage Restructure changes the terms of the existing mortgage to achieve an affordable mortgage payment by a combination of any or all of the following: 1) interest rate reduction; 2) changing the duration of the mortgage; and/or 3) change in the principal amount owed on the mortgage. It is not a refinance (i.e. new loan) and thus not conditioned on the major limitations for refinances or the paying off of a second mortgage. While NACA does not change or negotiate the terms of your loan, we submit your Affordability Budget with supporting documentation to the Servicer (the Servicer may not be the original lender) and request that they reduce your monthly mortgage payment to the affordable amount documented in your Affordability Budget as described above or 31% of your gross income, whichever is less. If you are unemployed or under-employed the solution is often a forbearance with a minimum payment until you have stable income and can be considered for a Mortgage Restructure.

NACA does not advocate for other solutions often pushed by servicers and the government that are not affordable over the long-term or result in the loss of your home. These options include payment plans that increase the already unaffordable mortgage payment or where the payments go up over time. NACA does not consider selling your home or a deed-in-lieu to be viable solutions if you are determined to keep your home.

The servicers have dedicated staff to review and decision files submitted by NACA. NACA has legally binding agreements with all the major servicers and investors covering over 90% of homeowners to achieve the NACA Restructure or other affordable solution. The servicer has a lot of discretion in changing your loan terms. They have a contract with the investor(s) who owns your loan that gives them authority to change the mortgage terms in achieving an affordable solution. If the servicer does not accept the affordable solution or does not have the authority to approve, then NACA would request that the investor approve the solution. While the servicer or investor makes the final decision, NACA has been extremely successful in achieving affordable solutions for over a quarter of a million homeowners. If the servicer and investor still refuse the Restructure Solution then NACA could work with you as part of the Homeowner Advocacy campaign.

After you review your Web-File and want to speak to someone concerning your file, you should contact the MAP Department at 281-968-6222. If your file has not already been assigned to a MAP Advocate, the MAP Advocate who takes your call will be your designated advocate throughout the process. Your MAP Advocate will work with your servicer and investor to achieve an affordable solution and will contact you if additional documents or information is needed. You should continue to communicate with your MAP Advocate and call him/her at their direct extension.

Once your solution is accepted, you should receive the documentation from the servicer within two weeks. You need to review the documents carefully to verify that the payment is affordable. If you have any questions or concerns you need to contact your NACA Advocate. Once accepted you need to sign the documents and return them to the servicer. These will be binding regardless of who services or purchases your mortgage.

NACA will continue to advocate for you if you are determined to keep your home. We have been extraordinary successful in helping homeowners through a combination of our operations and aggressive advocacy. This advocacy involves direct actions against the decision makers who are the CEOs of your servicer or investor, or government officials. Since losing your home would be personally devastating and would turn you and your family’s lives upside down, we hold these decision makers personally responsible. We have gone to their homes with hundreds of homeowners with non-violent demonstrations, to force these executives to be accountable for their actions and personally responsible. We are also holding government officials responsible since their programs often do not provide affordable solutions.

You need to involve your family members, your friends, your co-workers, your neighbors and everyone else in these advocacy campaigns. Your responsibility is to relentlessly call, email and advocate until they get your solution accepted. Your direct advocacy with the huge NACA Membership s will be an irresistible force. If your servicer or investor does not accept your NACA solution, your participation in our advocacy campaigns will be even more important in achieving a long-term affordable payment. Much of their personal information used in our advocacy comes from our members who do the services for these CEO’s including cleaning their homes, providing security and much more for these over-paid executives. They cannot hide.

With this tremendous track record so there is a good chance that you will not lose your home. Particularly since servicers and investors are now more willing to restructure a loan and even reduce the outstanding principal. We have additional opportunities to advocate for you with submissions of your file to the appropriate regulators, attorney general and more.

We need your continued participation to advocate for other homeowners with an unaffordable mortgage and for economic justice. We are thy brothers keeper and cannot be satisfied until we all receive an affordable solution. There are numerous activities to take part in, including participating in demonstrations, volunteering in the NACA office, assisting other homeowners or homebuyers, and providing your skills and knowledge to assist others. Contact your local office or NACA’s Membership Services department at 425-602-6222 to discuss how you can volunteer. Thank you for your continued involvement with NACA.

For information about the NACA program, contact service@naca.com. Questions, comments, or concerns about this Web site? Contact webmaster@naca.com.
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