Purchase Program and Best In America Mortgage

How to get help

Begin with a NACA Homebuyer Workshop, create a Member Portal account, submit required information and documents, and work with a counselor toward NACA Qualification. Qualified members complete the Purchase Workshop, housing search, credit-access review, and application with a participating lender. Qualification, loan approval, terms, and closing are not guaranteed.

Who this service helps

All homebuyers are welcome, with a focus on low- to moderate-income people and buyers purchasing in low- to moderate-income areas. Participants must complete NACA's workshop, counseling, documentation, qualification, credit-access, lender-application, property, and closing requirements.

Where this service is available

Service area: Houston-area homebuyers, with a NACA office in Harris County and counseling services available through NACA's national network.

A service area describes where help is offered or who may be served. It is not necessarily the organization’s physical location.

Cost / fees

The published mortgage features include no down payment, no closing costs, no fees, and no mortgage insurance. The NACA intake process separately identifies a membership fee and credit-report cost; other ownership and transaction costs may apply.

About this service

NACA's Purchase Program combines housing and financial counseling with potential access to its Best In America Mortgage. Published mortgage features include a below-market fixed rate, no down payment, no closing costs, no fees, no mortgage insurance, and no use of a credit score as the qualification measure.

Other resources that may help