NACA SOCIAL MEDIA GUIDELINES – MUST READ BEFORE POSTING

The following are the guidelines for this Forum and all NACA social media, including Facebook, Twitter, Google Plus, Pinterest, LinkedIn and Live Chat:

The following rules have always been posted near the top of the Forums page on the forum website at http://forums.naca.com, just above the links to the five forum categories:

Welcome to the NACA Forums! Please keep in mind that this is a public forum. Any derogatory, inflammatory or questionable content will be removed by administrators. Also, please DO NOT post any personal information, such as passwords, NACA ID numbers, or Social Security numbers; NACA Staff will never require this information on the Forums.

Disregard for the rules of the Forum and abuses of the Forum and other social media in general is not tolerated. Such activity hinders the effectiveness of the NACA social media efforts as tools for asking questions, sharing information and for those who are seeking help with problems in either the Home Save or Purchase programs. To prevent such abuses, the following rules apply for this Forum and all NACA social media:

F(orum) comes before E(mail):

Maybe not in the alphabet, but here in the forum, F comes before E. In other words, please post your question in the Forum rather than circumvent the system and send an Email to an address you happen to find in the forum. The forum exists for several purposes, not the least of which is the sharing of information that may be beneficial to many of our members.

Most of the questions we receive are more generic in nature than most people think. By posting a question in the Forum first, it can be most likely answered here in the Forum unless it involves specific information in your file. By handling the question or problem here whenever possible, other members experiencing a similar problem could get the answer and help they need more quickly and without making a single additional keystroke.

If responding to your post does require specific information, you will be advised on the best means of contact with us so any personal information can be communicated securely and confidentially.

The Forum Does Not Replace NACA Services:

The NACA Forum or other NACA social media are in no way a substitute for NACA Counseling and Advocacy services whether in the Home Save or Purchase Programs, and information found here should not be considered a replacement for communicating with a NACA counselor, Member Services rep or any other NACA representative. While much of the information here is general in nature and applicable to most situations, specific questions regarding your file cannot be addressed in this or any other public forum for privacy reasons. Additionally, every file has unique factors and issues of its own. Therefore, you should always attempt to communicate your questions and concerns with your Mortgage Consultant in the Purchase Program and with a Counselor, Member Services or other Member Assistance Program (MAP) representative. Our Member Services Department can be reached at 425-602-6222 from 8:30am to 5:30 pm Eastern Time Monday through Friday.

Keep it Civil:

Another serious issue is the tone used in some messages. We eagerly invite anyone who is having what they perceive to be any sort of problem with the NACA process or on line system to use the NACA Forum and social media channels as a means of reaching out to us with those concerns so we can help solve them in whatever way we can. However, please remember to compose your message in the same manner in which you would like to receive the response. As noted above, “derogatory, inflammatory or questionable content” has always been grounds for posts to simply be deleted without response, and will continue to be so. Deletion of any and all messages from any individual or group of people is at the sole discretion of the Forum administrators. This includes sarcasm as well as insulting and accusatory statements. While we are in fact eager to help with any problems that may occur, if you can’t write without being cynical, you may want to hold off a bit until you can be more rational in expressing your concerns.

No Personal Information:

While this one should be common sense, it is surprising how many people will post their name, NACA ID number and even their telephone number in a forum post or even on Facebook. Please remember that what you write here can be read by anyone on the internet. This is not a membership-restricted site, so please do not post any information about yourself here that you would not announce over a microphone to a crowd of twenty thousand people. Again, that personal information starts with and includes your NACA ID number. Never post it or any other personal information in a public forum, here or anywhere else on the web.

Oh, By the Way, Who Am I Talking To?

Under other circumstances, this would actually be funny. We far too commonly receive emails from members who go to substantial effort to make sure they have provided a wonderfully detailed explanation of their problem or question to insure we have all the information necessary to address their concerns… Then forget to include their NACA ID number, leaving us in the dark or doing detective work to find out which file we are dealing with.

It’s really a simple, common sense rule. NEVER post your ID in a public place, but ALWAYS include it, every time, in private communications such as an email or the Live Chat system available through the NACA website.

One Way or Another:

While we realize you intend to be thorough by doing so, posting the same message to the Forum, our Facebook page, and emailing it to a Forum administrator is actually counter-productive. Most likely, all three messages will go to the same person, which means answering the same question for the same person three separate times. This redundancy only slows down our response time to you and everyone else we are trying to help. So please limit yourself to one method when communicating with us.

Once is Enough:

Likewise, posting the same message in multiple threads in the Forum will have the same effect as posting through several different media.

Each still has to be addressed and responded to separately, which only slows down our response time and can confuse members who may then falsely think that they have read the entire thread previously and possibly miss out on some important information that could have a bearing on their own file.

Similarly, multiple messages each day with minor or random questions bog things down too. We want to answer those questions for you, but in such a circumstance, please send them all in one daily message if possible.

By posting in this Forum, you certify that you have read and agree to abide by these rules. Failure to comply with these rules will result in the deletion of offending posts and the writer potentially being banned from this Forum and other NACA social media.

As you can see, these are really just common sense rules, largely based on common courtesy. Abiding by these guidelines will help the NACA staff help you in whatever means possible and encourage a positive, free flow of information through this Forum, which is its most fundamental purpose.

Thanks!

Posted in NACA Purchase Program, NACA Technology, Save the Dream, Uncategorized | 6 Comments

NACA HOME SAVE WORKSHOP IN PATERSON, NJ THIS SATURDAY

*****MEDIA ADVISORY*****
FOR IMMEDIATE RELEASE
Press Release – August 16, 2017

CONTACT:

Tim Trumble, Media Coordinator, Cell: 617-947-2632; ttrumble@naca.com

PATERSON MAYOR TORRES TO HOST NACA HOME SAVE WORKSHOP THIS SATURDAY

FREE HELP FOR HOMEOWNERS WITH UNAFFORDABLE MORTGAGES

 

WHAT: NACA’S PATERSON SAVE THE DREAM WORKSHOP
WHEN: Saturday, August 19th, 9:00 a.m. – 9:00 p.m.
WHERE: John F. Kennedy High School, 61-127 Preakness Ave., Paterson NJ

(Paterson, NJ – August 16, 2017) – Paterson Mayor Jose “Joey” Torres has partnered with NACA, the nation’s most successful HUD certified non-profit, to host a special foreclosure prevention workshop this Saturday to help area homeowners struggling with unaffordable mortgages.

The event will take place at John F. Kennedy High School, 61 Preakness Ave. in Paterson from 9:00 a.m. to 9:00 p.m. and all services are free of charge.

“Even though a decade has passed since the housing bubble burst, hundreds of thousands of homeowners across the country still have a great need for help, so NACA continues to be relentless in advocating for homeowners” states Bruce Marks, Founder and CEO of NACA. “We are grateful to Mayor Torres for reaching out to us and asking NACA to conduct this event. NACA continues to provide affordable modifications nationwide.  We do not take no for an answer and encourage homeowners to join NACA in advocating for affordable solutions.”  NACA (Neighborhood Assistance Corporation of America) is a non-profit HUD-certified community advocacy and home ownership organization, established in 1988 and has more than 40 offices across the country.

NACA’s Home Save program has more helped more than a quarter-million homeowners across the country avoid foreclosure by modifying their unaffordable mortgages. NACA has legally binding agreements with the major lenders plus Fannie Mae and Freddie Mac, getting interest rates permanently reduced to as low as a 2% fixed rate and sometimes eliminating a portion of the principal.

And all of NACA’s services are free of charge.

NACA’s twenty-nine years of advocacy and activism have made affordable and responsible home ownership a reality for tens of thousands through their Purchase Program and saved more than a quarter-million homes from foreclosure with mortgage modifications through their Home Save program.

For documents needed and to register, go to www.naca.com or call 801-606-6222.  Pre-registration is highly preferred but walk-ins are also welcome.

NACA’s Home Save and Purchase programs have been highlighted on the national and local news as the most effective in providing affordable homeownership:

CNN: One man’s fight against Foreclosures
New York Times: The Homebuyer’s Champion

 

About NACA (www.naca.com):

NACA is the largest and most effective organization in modifying mortgages and provides the best mortgage in the country. NACA CEO Bruce Marks was named Bostonian of the Year for 2007 because of his work in getting the major lenders and servicers to modify home loans for borrowers who come through NACA. See Bostonian of the Year. He has also testified before Congress on numerous occasions including September 12, 2000, being one of the only people to sound the alarm of the pending mortgage crisis. For more information, go to www.naca.com
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$30,000 GRANTS FOR DETROIT HOME BUYERS

Homebuyers who buy within the city limits of Detroit may be able to receive up to a $30,000 grant toward the purchase of a home.

 

Do Not Miss This Incredible Opportunity

  • Maximum $30,000 grant (limited time opportunity).
  • NACA Best in America mortgage (no down payment, no closing costs, below market fixed rate).
  • NACA’s Below Market Interest Rate – today’s 30 year rate is 3.5%; 15 year rate is 3.0%. (6-12-17)
  • Many affordable houses in Detroit.
  • Renovation funds can be built into the mortgage.

 

Grant Criteria (for a limited time)

  • Grant is limited to $30,000 and must not exceed 25% of the mortgage value.
  • Grant must be used to reduce the mortgage amount.
  • All property types including land contracts eligible.
  • Must purchase within Detroit city limits
  • Low and moderate-income buyers.

 

The funds are limited so act NOW! Call NACA’s Detroit office at 281-204-6222 and make a counseling appointment. You may also call NACA Member Services at 425-602-6222 for more information.

 

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NACA MOBILIZES WELLS FARGO CUSTOMERS

An open letter to all NACA Members from NACA Founder and CEO Bruce Marks:

Dear NACA Members,

NACA has initiated a comprehensive campaign against Wells Fargo where NACA and our members are in a position to hold Wells accountable for their predatory practices. There are more than 230,000 NACA Members who have over $17 Billion dollars in Wells Fargo accounts. We encourage you to leverage this immense purchasing power by Switching Banks from Wells Fargo to other institutions.

The Wells Fargo Justice Campaign employs multiple strategies to hold Wells Fargo accountable for the damages it has inflicted on its customers and employees, and strives to make Wells Fargo a more responsible and accountable financial institution. NACA seeks to unite these customers, along with NACA members, Wells Fargo employees, and concerned individuals. In addition to switching banks, individuals can do the following:

Participate in Protests – Join demonstrations and protests to hold Wells Fargo’s executives and directors personally responsible for the bank’s predatory activities.
Join Lawsuits — Identify victims of the fake accounts scandal and encourage them to join with others in legal action against Wells Fargo.
Wells Fargo Employees — Encourage present and former Wells Fargo employees to become part of the campaign. Many previous and current employees have been victimized by Well’s extreme pressure to achieve impossible goals and engage in illegal practices. Previous and current employees are in the unique position to effect real change by sharing critical information and joining the Wells Fargo Justice campaign.

On April 25, 2017 I attended the Wells Fargo annual meeting with other dissatisfied stakeholders. When I asked Wells Fargo’s CEO Tim Sloan and the board of directors about their knowledge and involvement in these predatory practices, they gave no answers. As I continued to question them, I was physically dragged out of the meeting. This is unacceptable — Wells Fargo’s executives and directors must be held personally accountable for engaging in illegal sales practices, and exploiting customers and employees for over 15 years.

Anyone who has been victimized by Wells Fargo’s predatory actions or who wants to participate in the Wells Fargo Justice Campaign should contact NACA by emailing advocate@naca.com or call NACA’s Wells Fargo’s Justice Campaign at 631-370-6222. Join the campaign and follow it at wellsfargojustice.com and on Facebook

Below are some of the media and articles around their annual meeting and other articles.

CHARLOTTE OBSERVER
ASSOCIATED PRESS
CNN
USA TODAY
CBS
Vanity Fair
NACA Media

The battle for economic justice continues.

Bruce Marks, CEO

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NACA ALERT: WELLS FARGO JUSTICE CAMPAIGN

 

*****MEDIA ADVISORY*****
FOR IMMEDIATE RELEASE

CONTACT:                                  
Tim Trumble, Media Coordinator, Cell: 617-947-2632; ttrumble@naca.com
Bruce Marks, NACA CEO, Cell: 617-835-4477; bmarks@naca.com

NACA MOBILIZES WELLS FARGO CUSTOMERS & EMPLOYEES IN RESPONSE TO THEIR PREDATORY PRACTICES

OVER $17 BILLION IN ACCOUNTS HELD BY NACA MEMBERS

(Boston, MA – May 31, 2017) –NACA has officially launched its Wells Fargo Justice Campaign, which seeks to enlist NACA’s 229,825 members who collectively have more than $17 Billion in Wells Fargo accounts, and other individuals to take action in light of Wells Fargo’s predatory practices.

The Wells Fargo Justice Campaign (click here) is employing multiple strategies to hold Wells Fargo accountable for the damage it has inflicted on its customers and make Wells Fargo a more responsible and accountable financial institution. Wells Fargo account holders have enormous purchasing power and thus influence on Wells Fargo. NACA seeks to unite these customers with NACA members, Wells Fargo employees and other concerned people to:

  • Participate in Protests – Join demonstrations and protests to hold Wells Fargo’s executives and directors personally responsible for the bank’s predatory activities.
  • Join Lawsuits — Identify victims of the fake account scandal and encourage them to join with others in legal action against Wells Fargo.
  • Switch Banks — Move their money to a different bank, leveraging customers’ immense purchasing power to show Wells Fargo executives and directors the severe repercussions of Wells’ predatory practices.
  • Become a Whistleblower — Encourage present and former Wells Fargo employees to become part of the campaign. As a previous or current employee, these people have also been victimized in many cases by extreme pressure and impossible goals from management to open new accounts. In some cases this has resulted in wrongful job losses and even physical illness for these employees. This places them in the unique position to effect real change by sharing critical information through joining and supporting the Wells Fargo Justice campaign.

NACA’s Wells Fargo Justice Campaign began on April 25th when NACA CEO Bruce Marks and others confronted Wells Fargo CEO Tim Sloan and Chairman Stephen Sanger during the Wells Fargo’s annual meeting in Jacksonville, Florida.  Bruce Marks demanded answers in order to hold the CEO and their board of directors accountable but was forcibly removed.  To hear the confrontation at Wells’ annual meeting click here.

Marks said, “NACA, our Members and many others are in a powerful position to hold Wells Fargo’s executives and board of directors personally accountable for the bank’s predatory practices. Hundreds of thousands of NACA members collectively have more than $17 Billion in balances with Wells Fargo in bank accounts, car loans, student loans, personal loans and mortgages.” Marks continues, “Wells Fargo acknowledged they have been exploiting their customers and even their own employees for over 15 years through their improper practices. Their shallow apologies and cosmetic changes are not enough“. The government has taken an important step by downgrading Wells Fargo’s Community Reinvestment Act rating to “Needs Improvement”, which is the worst of any major bank, but much more needs to be done.

Follow the campaign at www.wellsfargojustice.com and on Facebook

CHARLOTTE OBSERVER: http://www.charlotteobserver.com/news/business/banking/bank-watch-blog/article146485339.html

ASSOCIATED PRESS: https://www.naca.com/Scripts/pdfviewer/web/viewer.html?pdffile=/media/80390/associates2070502.pdf

CNN: https://www.naca.com/Scripts/pdfviewer/web/viewer.html?pdffile=/media/80393/cnn20170502.pdf

USA TODAY: https://www.naca.com/Scripts/pdfviewer/web/viewer.html?pdffile=/media/80394/usatoday20170502.pdf

CBS: https://www.naca.com/Scripts/pdfviewer/web/viewer.html?pdffile=/media/80391/cbs20170502.pdf

NACA Media: https://www.naca.com/campaigns/wells-fargo/

About NACA (www.naca.com):

NACA is the largest HUD certified non-profit home ownership and community advocacy organization. NACA is the most effective organization in modifying mortgages and provides the best mortgage in the country. NACA CEO Bruce Marks was named Bostonian of the Year for 2007 because of his work in getting the major lenders and servicers to modify homeowner’s mortgages. See Bostonian of the Year. He testified before Congress on numerous occasions including September 12, 2000, being one of the first people to sound the alarm of the pending mortgage crisis. For more information go to www.naca.com.

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2016 INCOME TAX DEADLINE

As of today, all members with active files must have submitted their 2016 income tax returns for their file to continue to move forward. This includes all forms and schedules filed with the IRS for both W-2 and 1099 income earners.

Members who have filed a form 4868 (Automatic Extension) will not be able to move forward in the program until their 1040 has been filed and any taxes owed have been paid in full.

If you have any questions, please consult your counselor or NACA Member Services

Posted in NACA Purchase Program, NACA Technology, Save the Dream, Uncategorized | 4 Comments

NEWARK AND HARTFORD OFFICES CLOSED TODAY

Members Please Note:  NACA’s Newark, NJ and Hartford, CT offices will be CLOSED TODAY due to inclement weather conditions.  All appointments for today will be rescheduled at the first opportunity. Our apologies for any inconvenience.

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2016 TAX DOCUMENTS

Please remember that all active members in the NACA Purchase Program must submit their 2016 W-2 or 1099 forms to their NACA file no later (Jan 31) than today for their file to continue moving forward. This applies whether or not you have filed your 2016 tax return yet.

 

All 2016 tax returns also must be submitted to your file no later than the filing deadline of April 18th to avoid being delayed. Late filing, even if your have submitted a Form 4868 extension, will cause your file to be delayed until the return is actually filed.

 

Please contact your counselor for more details or call NACA Member Services at 425-602-6222.

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IMPORTANT MEMBER INFORMATION FOR THE NEW YEAR

 

Here are a couple of reminders for all of our members now that the new year has begun:

DUES

Annual membership dues of $25 are presently due and payable for all Purchase Program Members who have not received a Clear to Close on their loan. Dues may be paid on line through your NACA web file. NACA membership dues are paid annually and are due from all members on January 1 of each year and cover the calendar year through December 31, regardless of the month in which you started the program.

Please be aware that your NACA file will not be able to progress forward until the annual dues have been paid.

 

TAXES

Tax forms for 2016 must be submitted to your NACA file as soon as they are available.

  • ALL W2 and 1099 forms must be submitted to your file no later than January 31.
  • All tax returns must be submitted, in their entirety, no later than Tuesday, April 18. Please note that all forms must bear the physical signature of the person filing the return, even if the return was filed electronically with the IRS.
  • Members filing a form 4868 (Application for Automatic Extension of Time to File U.S. Individual Income Tax Return) will not be able to move forward in the NACA process until such time as their tax return has been filed and any taxes due have been paid.

Should you have any questions regarding these important items, please contact your Mortgage Counselor or Housing Consultant, or NACA Member Services at 425-602-6222.

 

 

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NACA OFFICES CLOSED 12-30 THRU 01-02

PLEASE NOTE:

 

All NACA offices will be closed Friday, December 30th, 2016 through Monday, January 2nd, 2017 to celebrate the New year’s holiday. All offices will re-open at their usual time on Tuesday, January 3rd.

 

We hope everyone has a safe and happy New Year!

Posted in NACA Purchase Program, NACA Technology, Save the Dream, Uncategorized | 2 Comments
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