Neighborhood Assistance Corporation of America - NACA

Real Estate Agent with Meybohm Realtors
NACA works with thousands of real estate agents nationwide. NACA has established an extremely effective program to return home buyers to the real estate agents who refer them to NACA. NACA wants to ensure that your client has the time be become NACA Qualified (i.e. mortgage ready) and then would be in the best position to work with you. Once your client is NACA Qualified they will attend a NACA Purchase Workshop. They will then be referred back to you and ready for the housing search knowing what they can afford and the next steps in the home buying process. NACA does not charge you a fee and does not reduce your real estate commission.

This process is accomplished by referring them to NACA prior to them attending a NACA Workshop. The referral to NACA must be through the website. If the homebuyer has not previously been involved with NACA, they will be referred back to you when they are NACA Qualified. The NACA Qualification means that the Member is mortgage ready and virtually 100% of the Members we submit to the lenders are approved and funded. NACA also provides you with on-line update of your clients as described below.

Real estate agent registration with NACA
Real estate agents who want to refer clients to NACA need to register. It is a very easy process and once registered we can provide you updates on the clients you have referred. You need to input your user name which is your email address. Your default password is emailed to you. You need to change the default password to your personal one. If you forget is, click on "Forgot Password". You will need to type in your user name, which is your email address, and your password will be sent to you. You will need to sign-in to do any of the following: Register a client with NACA, access information on your registered clients, change your password, and update your information.

Register your clients with NACA
Input the following client's information: name, address, phone numbers, email and last four digits of their social security number. If they do not have one, you need to input the last four digits of their tax I.D. When you click submit, you will be notified if your client has been registered. Your client would not be registered if he/she had previously participated in the NACA program which means that your client knows about NACA and did not require your assistance to learn about our program. You can continue to work with your client but you will not receive status updates and we will not refer him/her back to you.

Real estate agent client list
You can access status information on all of your clients registered with NACA. The status list will show the following information for each of your active clients: referral date, first counseling meeting with a NACA Mortgage Consultant. If you have registered a client who is not on your client list, provide us with that information at the service link.

Changing your information
You can change your password or your other information on-line.

NACA Referrals to Real Estate Agents
NACA has many qualified (i.e. mortgage ready) buyers. When our in-house agents are not able to handle the large numbers of Members, we refer the Qualified Members to outside real estate agents. There are many agents who want to be a NACA Referral agent. We have a limited number in order to provide them with a consist number of NACA Qualified Members. We select the Referral Agents based on the quality of services they provide our Members and the number of people they refer to NACA. Referral Agents have a 90 day term after which time they are re-evaluated based on their performance and continued referral of buyers.

To request being a referral agent, the below Referral Agent Agreement needs to be completed and faxed to NACA's National Office at 617-250-6262. As per the agreement, NACA receives 33% of the buyer's or seller's agent portion of the commission (i.e. not the listing portion) at the loan closing. Questions concerning becoming a Referral Agent or concern with your referrals complete the NACA Feedback and we will address your questions or concerns.

Comments (28)

Absolutely Frustrated


Have you had any headway with the NACA time line situation.  I would just like to know  sit has been 8 months now and we are still waiting.  Getting excuse after excuse and they keep asking for explanations and paperwork that we have already given them. The communication is horrible and every time we call the office to get some kind of update, we get the same old tired line,  " she's with a client can i take a message", but never seem to get a call back.  I am so frustrated with these people.  Yet they expect us to promote and tell other people about their service.  How in heavens name could i put someone else through the home buying madness that we are going through. Any advice, info, or suggestions you have would be greatly appreciated.


Sep 03, 2008 12:40 AM
Eliud Gautier
Acre Mortgage & Financial, LLC - Deptford, NJ
Branch Manager

Well, welcome to the party of frustrated NACA members.

Have you tired setting up a face to face appointment online with the director of the office. Go to the following NACA webpage -  - And once you set up the appointment, print a copy of the confirmation and take it with you to the NACA office.

When you send your documents to NACA do you Fax, up load or email them as a PDF file? I highly recommend the Up Loading and emailing a PDF file. Both of these methods require that you first scan the documents to your computer. This way you have a better record of sending them documentations.

But you are right, I make it very clear to my clients - that patience is going to be tested. Now, wait until you enter the purchase process. Your realtor better inform the selling agent about possible hang ups - especially if the property needs repairs.

Sep 03, 2008 12:59 AM

Just to let you know, my husband and I made an online appointment with the Boston NACA office a few months ago, (after struggling with them for 2 years).  We packed up our 5 week old baby to make the over 1 hour drive. I called them to confirm the appointment, their response, "Andre is not in today, why would you be coming in"!!!!!!!  So please, if you make an online appoinment, call to follow up, don't assume the appointment is actually made.  They are really unorganized.  We are about to give up. We got approved for an FHA loan and may just go with that.


Sep 05, 2008 01:27 AM
Eliud Gautier
Acre Mortgage & Financial, LLC - Deptford, NJ
Branch Manager

Dear Question,

Obviously you made a major sacrifice to set yourself up for an appointment. You should have showed up to the office and demanded to see the director and/or another counselor - because you have the right to have your files transferred to another mortgage counselor of an immidiate review.

If you want to attempt this again, you should also arm yourself with the phone numbers to the national office. And before you go to the appointment call the following people.

(888) 297-5568 - ask for Daniel Perez, Don Medeows, Bruce Marks and Donavian

And keep calling until you reach one fo these individuals - but also leave a message on their answering service.

Your Name, Your NACA ID Code, Your NACA Office - and then a brief description of your situation in less then 1 minute. And leave the identical message at all their voice mail boxes.

Sep 05, 2008 01:48 AM

Hi Eliud,

This is our story. We went to a NACA seminar in 2006, made our appointment.  Our counselor was completely unorganized.  After our initial appointment, kept sending our information in, no communication from NACA.  We then found out that he had moved on to a different department and we had a new counselor. Made another appointment, new counselor, had to start all over again.  Our counselor felt we would be approved right away, we weren't.  So, we have done everything that they had said, my credit is fine, we have $20K to put towards the house/payment shock. My husband's credit had a few flaws that they wanted to see worked on.  Since March of this year we have been trying to get in touch with our conselor.  Every day, message with all pertinent information on voicemail, emails, have gone to online help countless times (they always tell me someone will be in touch in 24 hours, no one is ever in touch).  Finally, I left on my counselors voicemail that I would be calling, emailing every day until someone gets back to me.  Well, I noticed his voiemail message was no longer coming on, I called the receptionist.  He no longer works there.  I was told that we have to start from the beginning, with a new counselor and not to bother submitting documents to the website anymore (I had been doing it faithfully) because the new counselor can't get those and he needs hard copies of things that have all ready been submitted.  I sent an email to Debbie Prussman and she did respond back apologizing and telling me to keep the appointment and call her after if there are anymore problems.  I wrote to my new counselor asking for him to send me the Rental Verification Form and Employment Verification form so I can have those back to him before our appointment.  He sent me an email back saying I cannot have access to those, he will send those out later on his own.  My two previous counselors handed us those forms and told us to have them filed out and mail them back, which we did.  I just see problems and roadblocks ahead.  I am beyond frustrated with NACA.  I honestly don't know how anyone gets approved by them.


Sep 05, 2008 02:00 AM
Eliud Gautier
Acre Mortgage & Financial, LLC - Deptford, NJ
Branch Manager

Wow, this is definitely a story that would wear any ordinary family down. But I am glad that you are hanging in there with NACA. The counselors are not a reflection of the mortgage product. You have to understand that a lot of these counselors don't have a clue about NACA until they start working at NACA. And many of the counselor have extremely unprofessional and inadequate management skills.

Therefore, it is up to the member to be super organized and super high tech with the web. My recommendation is to call the same numbers I have place above - don't just call your local office call their national offices.

As far as your new begining - I recommend you read my blog on NACA Insight. And obviously Marilyn Mercado (the host of this site) is interested in NACA so I recommend you team up with her. And once it is time for you to be assigned a realtor insist on using Ms. Mercado - if you live in GA.

Sep 05, 2008 02:21 AM

I am actually out of Boston.  I have been to the National Office before (by mistake, the Boston office is on the same street a few doors down).  Not impressive at National either.  I have a binder of the information that I have sent in, I not only make PDFs and upload them to my account, I also print out the NACA cover sheet and fax.  I have all confirmation sheets etc.  I am going to your NACA Insight blog to get more tips.  I am very grateful to you for posting.  Any help is appreciated!


Sep 05, 2008 02:28 AM


How can I join NACA? Is there any compensation paid to the realtors who refer the clients to NACA? I would be willing to join either way. I could not access their webpage on I am not sure if that is up or not, but can someone please send me more details about this program? Really appreciate it.


Mar 04, 2009 02:33 AM
Eliud Gautier
Acre Mortgage & Financial, LLC - Deptford, NJ
Branch Manager

Kiran, no charge to join, no charge to you for your registered clients, but if you are going to accept their referrals there is a 33% fee.

Mar 22, 2009 05:47 AM
What is the best way to receive the referral agent application? please email application if possible. Thanks in advance for your help and insights into NACA . Darrian
Apr 10, 2009 02:05 PM
Eliud Gautier
Acre Mortgage & Financial, LLC - Deptford, NJ
Branch Manager

You should be attending NACA client and realtor workshops. The staff at your local office should provide you with the appropriate form that needs to be signed by your broker.

But in order for you to recieve referrals from NACA you have to be an active realtor with NACA by volunteering at the workshops and registering your own clients for NACA.

Apr 11, 2009 12:18 AM
Michelle Shaw

I am happy to have found this site.  I am new to the NACA family and I have been referring clients.  I am now in the process of trying to get possesion of the proper forms, fill them out and faxed.  Your information has given me my answer.  I am also hoping, by reading your information, to be better prepared for my clients if and when we hit a snag and have to wait for an extended period of time.  Thank You so much and please add me to your "List"  so that I can receive your updates and be better able to work with NACA and my clients.  I believe in what they stand for and I can see it is an up hill battle.   I am willing to do my part to help them do what is right for the people. 

Apr 11, 2009 06:17 AM

All you folks who are experiencing a myriad of problems ... if you are in an area that offers surrounding rural type communities, then I suggest you find your local U.S. Dept. of Agriculture office and check out their Rural Development program. They offer 2 types of mortgages. One is for folks who make a bit more money and that is an "Indirect" Loan with Zero Down and no MIP or PMI Insurance premiums to pay.The other program is a "DIRECT" program that is offered for folks with lower income. I just sent one of my customers there and they were approved within 30 days for a mortgage with a 4.67% interest rate. They have a sliding scale based on size of family and income and interest rates can go as low as 2%!!!!! And they are extremely efficient and a true pleasure to deal with.  Carol Bennett, Coldwell Banker Elite Realtors, Turnersville, NJ 08012.

Apr 29, 2009 11:59 PM
Ellen Gordenier

I had very high hopes in NACA, but am greatly disappointed.  As a Realtor, I have referred desperate people to NACA and given them hope, but unfortunately nothing has come to fruition.  I work with another agent who has referred clients to NACA and they have given up.  As a professional, I will no longer be referring clients to them.  Ellen Gordenier, Keller Williams Realty, Elk River, MN

Aug 20, 2009 07:30 AM
Eliud Gautier
Acre Mortgage & Financial, LLC - Deptford, NJ
Branch Manager

NACA is Not for Everyone

I have been involved with NACA since late 2007. I organized several workshops where more then 600 families registered to used NACA, 300 were personal clients. Since that period of time I have not closed any deals with NACA. But I still have hope in NACA.

But NACA is not for everyone. It is for a persistant borrower and a determined realtor. Unfortunately, if you need to buy a home immediately and you have to make money immediately then NACA is not for you.

I have actually been kicked off the referrals system in NACA because I complained to HUD and media outlets. But I realized that NACA was too powerful of an entity to change so I decided to join them. Since then I have been re-instated and continue to promote NACA to my clients.


I give my clients the option of going through NACA or an FHA lender. I informed them of their rights and responsibilities with both programs. And I let them decide what is best for their own family.

And for those that chose NACA, I put them through my own internal pre-NACA process. So I help my clients prepare their finances, documents and letters of explanations before they get involved with NACA. And I tell them that it may take 3 to 6 months before they get approved.

Why do I do this?

It is my client that has to determine if they want to put up with the crap NACA throws at them for a NO Down Payment, NO Closing Cost, and NO PMI - furthermore, for a fix 30 year rate - typically 0.50% lower then FHA (and not credit driven).

Sure, as a realtor, I don't make my money right away but it is not I that is making the largest investment decision of their life - it is the buyer.

Your Business

Therefore, you have to decide what is best for your family (as a buyer) and your business (as a realtor). But it is important that we give the buyer the options because I don't ever want to be accused of misleading my client - especially when I am aware of the options.

But remember - NACA is not for everyone.

Eliud Gautier
Casa Latino Affiliates

Aug 20, 2009 08:30 AM

Where is the Referral Agent Agreement on the NACA page?

Dec 21, 2009 03:43 AM
Justin I

Hi Eliud:

I have been with NACA a good while now. I have been submitting my documents every time they request them. But, I recently realized that althought the system acknowledges receiving the documents by the update I notice in my on line file, they keep asking for the same documents. What is wrong? I am afraid something is wrong at their end and in the same time how would they be updating my file?

I am puzzled and do not know what to do. I am thinking of taking the documents to their local office. I wonder if they will receive the documents. What should I do? Keep faxing the documents and receive the same request of submitting the very same documents? 

Justin I

Jan 04, 2010 02:06 PM
Eliud Gautier
Acre Mortgage & Financial, LLC - Deptford, NJ
Branch Manager

Justin I - You are not the only one having challenges with their technology therefore I have two suggestions.

  1. Email the your documents (as a PDF) to your mortgage counselor and to your NACA website - use the following format to up load the documents to your NACA website - (put your NACA ID Code in place of the Xs).
  2. Show up with your documents - properly copied and in an organized order and ask to hand them to your mortgage counselor or have the office manager up load it for you. You may have to wait for  your mortgage counselor but it will be worth it.

I am assuming you already met with your mortgage counselor for your first face to face. If not, go to the office and insist they give you an appointment.

There are a few reasons they don't give people a face to face - (1) non payment of fees; and/or (2) documents have not been upload.

PDF - convert your documents as PDF - there are free software programs online that will help you do this.


Hope this helps -

Eliud Gautier

Jan 04, 2010 11:57 PM
Jon - St. Louis

NACA is a completely incompetent organization preaching false hope to home owners behind the eight ball on their mortgage for various reasons.  I learned of NACA 6 months ago when I was downsized.  Yes, it did sound too good to be true but I was between jobs at the time and figured all it would cost me was time to check it out.  So I did.  14 hours later, sitting and waiting, at the convention in St. Louis, I left with the promise I'd have a loan mod. plan proposed to me within 30 days.  (A very select few that fell within certain profiles were granted loan mods the same day, at 2%, only to stand up on stage and cry, as they gave their testimony of hope. "don't give up - it could happen to you....when pigs fly)  6 months later, I'm still waiting.  With regular calls to NACA about every 3 weeks now - still no answer.  IF you can finally get a rep on the phone, you quickly realize their answer is to cycle you back through the system, an endless maze of unanswered questions and instructions to call back in 2-3 weeks.  It's more like the treadmill of hope & change with no real outcome.  

If you're up for the challenge of testing your patience, go for it.  If not, don't waste your time.  NACA and Bruce Marks - what a joke!  Before you sign up, call Bruce Marks (founder) and ask him why it takes so long for his incompetent organization to fulfill their promises.  He can be reached at: 617-835-4477 or  

PS:  a more effective solution would be Dave Ramsey's Financial Peace University.  Learn how to recover from your financial woes on your own.

Mar 02, 2010 07:51 AM
Fred Griffin Florida Real Estate
Fred Griffin Real Estate - Tallahassee, FL
Licensed Florida Real Estate Broker

We invite you back to ActiveRain in the year 2016!

  Much has changed since your last visit.  We would welcome your return.

Jul 31, 2016 08:08 AM