To me NACA is not a good program. We found right away the lies they were telling. At the fist session where you get all the info well we recorded that one because it was full of info. They told my husband a couple things that they said they didn't say later. One was that both spouses did not have to be on the loan, did not have to have credit pulled. After taking all the time to get all the info and go to the appointment they said something diff and got really nasty because i didn't want my credit pulled. The man Tom in this office even asked if we were getting a divorce because i said my sister has cancer in Indiana and i plan on being there a lot this year so my husband will just do it all on his own.
He sat there and said both didn't have to be on the loan but i would have to sign the paperwork then after he got mad he said well i will be pulling your report if you want our help. He put his head back and closed his eyes then looked back at us and asked what are you two hiding? We felt as if we were on trial. My husband works 25 yrs at General Motors--a plant that is doing very well. We were also able to pay our home close to half off right away but we never got that far. They didn't bother to even look at our paperwork.
We were told to make another appointment to talk with Lisa. Well my husband went alone because i wasn't feeling well and the first thing they said was where is Janice. they laughed at him, they hurt him so badly that he was really crying later when he told me how badly they treated him. He told them i don't have to be there and what the laws in Missouri stated and she said well ours(NACA)state this. So to us NACA changed things depending on who you are. Lisa never listened to my Andrew(husband)because she had already talked to Tom(first person we saw). I think that because they are supposed to really help people that they feel as if they can walk all over people, treat them poorly,not return calls in a timely manner etc... Very unprofessional would be the way i would describe NACA. My husband is a pastor and we would never recommend them to our congregation.
By the time you wait and save 300 per month you could have cleaned your own credit up and found another place compariable to NACA that would get you in a home much faster and in any area you choose. We found out from others that the areas are not that good that they try to get you to buy in. It's really hard for us to trust anything they have to say at this point because we heard their stories change a few times in the minutes we sat there.
