They are a mortgage lender with offices in all 50 states. They help people puchase homes and prevent foreclosure. You can read up on the entire process and their history at web site below. Me and my spouse credit situation was alot worse than yours. Middle scores 518 and 498. They helped us buy the townhouse that we were renting. They paid the closing costs. All we were required to do was write letters to explain the late pays and collections and save the manadatory required funds of $1800. The best part about NACA is that you can actually buy down the interest rate on the loan to zero percent if you have the funds available. I ended up with a 2.75% rate on a 120K loan using the rent credits earned and the money we saved. here is the site.
www.naca.com You can chat live with a representative.