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, NACA Radio 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 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 8am to 6 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 our 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!

(Rev. 12/12/14)

Posted in NACA Purchase Program, NACA Technology, Save the Dream, Uncategorized | Leave a comment

Holiday with the Family

Here’s a wonderful message from a NACA member that says so much about the parts of home ownership that can’t be found in the blueprints, the deed or the mortgage:

Sent: Saturday, November 29, 2014 8:48 PM
To: Wonda McGowan
Cc: Sandy
Subject: Our First Thanksgiving

We had such an awesome time hosting our first Thanksgiving in our new home. It was so nice to have my family bless our home with their presence. The house was filled with warmth and joy.

We had 30 guests including my sister that flew in from New York (she hasn’t been to Memphis to visit for at least 12 years I know) and my niece from Maryland (she visits all the time).

My sister had such a good time with my in-laws and felt so at home with all the southern hospitality that she vows to come back again next year with her husband!

My husband fried two Turkeys (they were a big hit and his first time frying turkey) and my mom roasted one as a back up in case his didn’t turn out as expected. We also had ham, roast beef and rotisserie chickens along with all the fixings. Of course I am blessed with a mom and husband who both enjoy cooking that I didn’t have to lift a finger until it was time to clean up!!

Never would have happened without your help and the team at NACA. I am forever grateful for your guidance and shout NACA out to everyone I know so they can be homeowners themselves. In fact as my uncle was leaving he said, ok, this time next year, y’all will be at my house. He’s going through the program now.

Can’t wait to host more events at our house. Every room was filled and everyone had a blast.

Thanks again for all you do and all the long hours you put in to push people on through the process. Hope your Thanksgiving was filled with family, food and fun as well.

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

Thanksgiving in Her New Home

It was a real treat to come back after the holiday and find this in our email:

To: Carol Clarke; Marvin Dunbar; Elnathan Davis; Rochelle Montgomery

Subject: First Night in my New Home

Hi everyone,

I’m spending the night and waking up in my new home on Thanksgiving Day. I cannot help but feel tremendous gratitude for all your hard work and diligence in making it possible to have my own home. Thank you so much for everything!! I appreciate you!!

Sincerely,
C—— G——–.

Posted in NACA Purchase Program, NACA Technology, Save the Dream, Uncategorized | Leave a comment

IMPORTANT INFORMATION REGARDING FORUM POSTS AND EMAILS

NACA’s long standing social media guidelines have always asked our members and guests to post any questions or issues they may have here in our NACA Forum at http://forums.naca.com. Unfortunately, that advice has gone unheeded to a large extent, with an increasing number of people directly contacting a staff member whose email address they happen to see on a blog, forum or other social medium.

 

Unfortunately, while we eagerly want to assist each and every person who has a question, concern or problem regarding NACA, this increasing volume of email creates two problems.  First, it increases what is already a heavy burden on our staff members.  Second and more importantly, it thwarts one of the most fundamental purposes of the NACA forum: 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 without making a single additional keystroke.

 

Because of the increasing number of people circumventing this process, we have been forced to institute a stricter procedure with regard to emails such as those described above.  Going forward, direct emails to the Forum administrator or other NACA personnel will receive a response requiring that they post their concerns on the NACA Forum at http://forums.naca.com to have their inquiry addressed.

 

NACA members who are not willing to communicate through our Forum can still address their concerns directly to their Mortgage Consultant or to NACA Member Services at 425-602-6222.

 

If 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.

 

We hope you understand the need to institute this procedure in order for us to help and advise as many of our members as possible.  We thank you in advance for your cooperation.

Posted in NACA Purchase Program, NACA Technology, Save the Dream, Uncategorized | 1 Comment

Now Hiring – Office Administrator – New Orleans, LA

OFFICE ADMINISTRATOR

 

SALARY RANGE: $16/hour – $20/hour

FLSA: Non-Exempt

REPORTS TO: Office Administration Manager

LOCATION: Offices Nationwide

CONTACT: HR Department: hr@naca.com

BENEFITS: Excellent single/family health and dental PPO, 75% employer contribution & 401K.

Website: www.naca.com

_________________________________________________________________________

NACA has a strong track record of promoting from within and rewarding hard work.  NACA seeks staff with a positive and open attitude, a willingness to work hard and pay attention to detail, flexibility, and determination to achieve and participate in NACA’s overall mission of economic justice and affordable home ownership for all.

 

POSITION SUMMARY:

The Office Administrator is responsible for the smooth operation of a NACA local office including answering the phones, greeting clients managing the front desk.  Office operations include: site logistics, customer service, payroll administration, supervision of other administrative staff (if any), monitoring the activities and needs of the production staff and vendors, and many other functions. The successful candidate will have the flexibility to handle a wide range of assignments depending on the needs of the local office, NACA’s on-going local advocacy activities, and other duties as assigned.  He/she must be able to multi-task given the numerous responsibilities and the likelihood of being the only administrative person in the office.

 

The position requires very strong administrative skills in a fast paced environment with the ability to multi-task.

  • Customer Service: Administer customer appointments, waiting list and confirmations.  Answer the phone, welcome clients, and address customer issues and questions to ensure outstanding customer service.  Demonstrate knowledge of NACA’s programs to encourage participation and support of NACA’s programs and mission.
  • Volunteer and Event Management: Arrange and execute the logistics and administration of frequent NACA public workshops that take place in locations throughout the community and other workshops at NACA. Administer volunteer participation by NACA Members and others.
  • Payroll and Policy Administration: Process new Hires. Administer time cards and reporting.  Communicate and reinforce NACA policies and procedures and monitor adherence.  Maintain a professional and positive work environment while remaining alert to potential risks.
  • Production Assistance: Monitor appointments, voice mails, emails, tickler systems and action plans for Mortgage Counselors and other customer-facing staff.  Support efficient use of Mortgage Consultant time.
  • Office Logistics: Monitor and order supplies.  Manage office space with attention to efficient operation, attractive environment to Members and health and safety concerns.

 

HOURS:

The job requires approximately 45 to 50+ hours weekly and as necessary to meet the demands of the job, including evenings and some weekends. A typical work day is 8:30 a.m. to 6:30 p.m.

 

QUALIFICATIONS:

  • Education:
    • Bachelor’s or Associate’s degree.
    • Mortgage and/or real estate courses preferred
  • Experience:
    • Three and more years of Administrative experience required
    • Office Manager experience preferred
    • Staff supervision preferred.
  • Skills and Attributes:
    • Energy and enthusiasm for NACA’s mission
    • Strong customer service skills.
    • Strong organizational skills.
    • Problem-solving abilities.
    • Ability to work under pressure.
    • Ability to work independently with minimal supervision.

 

Ability to speak languages other than English a plus.  NACA strongly encourages applications from minority and bilingual candidates

 

NACA OVERVIEW:

NACA, the Neighborhood Assistance Corporation of America (naca.com), is one of the most exciting organizations in the country. It is growing fast and offers tremendous opportunities for job growth and career development.   NACA is a national non-profit homeownership, HUD-certified housing counseling and community advocacy organization.  It is a high-profile organization whose affordable mortgage programs and community advocacy are frequently featured in the national, international and local media.  Presently, NACA is the largest and most effective housing services organization in the country and is rapidly expanding our local office network and national call center and hiring for existing and new offices nationwide.

 

Started in 1988, NACA has a strong track-record of successful advocacy against predatory and discriminatory lenders. NACA’s success is a result of its aggressive, confrontational advocacy.  NACA has taken on campaigns against some of the most powerful companies and individuals and has won.  NACA has revolutionized mortgage lending with its mortgage programs and advocacy.   NACA continues to this day its aggressive advocacy for low and moderate income people and communities in the fight for economic justice and affordable homeownership.

 

NACA has established the national standard for homeownership programs.

  • Purchase – For homebuyers who will be owner-occupants, the Purchase Program makes the right to affordable homeownership a reality for homebuyers.  By basing its mortgage underwriting criteria on homebuyers’ overall circumstances and not on traditional risk-based pricing or credit scores, NACA provides broad access to its Best in America mortgage –a mortgage with no down payment, no closing costs, no fees, no requirement for perfect credit, and is always at a below-market, fixed interest rate (go to naca.com for the current rate).  Everyone gets the same incredible terms, including the below-market interest rate, regardless of their credit scores or other factors.  NACA has $13 billion in mortgage commitments from the country’s largest lenders for this incredible mortgage product.  Virtually 100% of NACA-Qualified customers are approved and funded.
  • Renovations – For Purchase Program homebuyers whose property is in need of repairs.  NACA’s Home and Neighborhood Development (“HAND”) department assists them throughout the repair and renovation process.
  • Homeowner Assistance – For Purchase Program homeowners who experience financial difficulties, NACA’s Membership Assistance Program (“MAP”) provides services including mortgage modifications, payment agreements and financial assistance to help avoid foreclosure.
  • Home Save – For homeowners with an unaffordable mortgage, NACA is the largest and most effective program in providing affordable solutions providing such solutions to over two-hundred-thousand at-risk homeowners nationwide. NACA has been able to restructure unaffordable mortgages by permanently reducing interest rates to as low as two-percent and reducing outstanding principle balances to achieve affordable mortgage payments.  NACA has legally binding agreements with all the major servicers and lenders requiring them to provide the best solutions for at-risk homeowners through NACA.

Interested candidates may begin the application process at https://www.naca.com/nacaWeb/job/jobNews.aspx

Please be aware you will have a maximum of one hour to complete the application.

Posted in NACA Purchase Program, NACA Technology, Save the Dream, Uncategorized | Leave a comment

Now Hiring – Office Administrator – Baton Rouge, LA

OFFICE ADMINISTRATOR

 

SALARY RANGE: $16/hour – $20/hour

FLSA: Non-Exempt

REPORTS TO: Office Administration Manager

LOCATION: Offices Nationwide

CONTACT: HR Department: hr@naca.com

BENEFITS: Excellent single/family health and dental PPO, 75% employer contribution & 401K.

Website: www.naca.com

_________________________________________________________________________

NACA has a strong track record of promoting from within and rewarding hard work.  NACA seeks staff with a positive and open attitude, a willingness to work hard and pay attention to detail, flexibility, and determination to achieve and participate in NACA’s overall mission of economic justice and affordable home ownership for all.

 

POSITION SUMMARY:

The Office Administrator is responsible for the smooth operation of a NACA local office including answering the phones, greeting clients managing the front desk.  Office operations include: site logistics, customer service, payroll administration, supervision of other administrative staff (if any), monitoring the activities and needs of the production staff and vendors, and many other functions. The successful candidate will have the flexibility to handle a wide range of assignments depending on the needs of the local office, NACA’s on-going local advocacy activities, and other duties as assigned.  He/she must be able to multi-task given the numerous responsibilities and the likelihood of being the only administrative person in the office.

 

The position requires very strong administrative skills in a fast paced environment with the ability to multi-task.

  • Customer Service: Administer customer appointments, waiting list and confirmations.  Answer the phone, welcome clients, and address customer issues and questions to ensure outstanding customer service.  Demonstrate knowledge of NACA’s programs to encourage participation and support of NACA’s programs and mission.
  • Volunteer and Event Management: Arrange and execute the logistics and administration of frequent NACA public workshops that take place in locations throughout the community and other workshops at NACA. Administer volunteer participation by NACA Members and others.
  • Payroll and Policy Administration: Process new Hires. Administer time cards and reporting.  Communicate and reinforce NACA policies and procedures and monitor adherence.  Maintain a professional and positive work environment while remaining alert to potential risks.
  • Production Assistance: Monitor appointments, voice mails, emails, tickler systems and action plans for Mortgage Counselors and other customer-facing staff.  Support efficient use of Mortgage Consultant time.
  • Office Logistics: Monitor and order supplies.  Manage office space with attention to efficient operation, attractive environment to Members and health and safety concerns.

 

HOURS:

The job requires approximately 45 to 50+ hours weekly and as necessary to meet the demands of the job, including evenings and some weekends. A typical work day is 8:30 a.m. to 6:30 p.m.

 

QUALIFICATIONS:

  • Education:
    • Bachelor’s or Associate’s degree.
    • Mortgage and/or real estate courses preferred
  • Experience:
    • Three and more years of Administrative experience required
    • Office Manager experience preferred
    • Staff supervision preferred.
  • Skills and Attributes:
    • Energy and enthusiasm for NACA’s mission
    • Strong customer service skills.
    • Strong organizational skills.
    • Problem-solving abilities.
    • Ability to work under pressure.
    • Ability to work independently with minimal supervision.

 

Ability to speak languages other than English a plus.  NACA strongly encourages applications from minority and bilingual candidates

 

NACA OVERVIEW:

NACA, the Neighborhood Assistance Corporation of America (naca.com), is one of the most exciting organizations in the country. It is growing fast and offers tremendous opportunities for job growth and career development.   NACA is a national non-profit homeownership, HUD-certified housing counseling and community advocacy organization.  It is a high-profile organization whose affordable mortgage programs and community advocacy are frequently featured in the national, international and local media.  Presently, NACA is the largest and most effective housing services organization in the country and is rapidly expanding our local office network and national call center and hiring for existing and new offices nationwide.

 

Started in 1988, NACA has a strong track-record of successful advocacy against predatory and discriminatory lenders. NACA’s success is a result of its aggressive, confrontational advocacy.  NACA has taken on campaigns against some of the most powerful companies and individuals and has won.  NACA has revolutionized mortgage lending with its mortgage programs and advocacy.   NACA continues to this day its aggressive advocacy for low and moderate income people and communities in the fight for economic justice and affordable homeownership.

 

NACA has established the national standard for homeownership programs.

  • Purchase – For homebuyers who will be owner-occupants, the Purchase Program makes the right to affordable homeownership a reality for homebuyers.  By basing its mortgage underwriting criteria on homebuyers’ overall circumstances and not on traditional risk-based pricing or credit scores, NACA provides broad access to its Best in America mortgage –a mortgage with no down payment, no closing costs, no fees, no requirement for perfect credit, and is always at a below-market, fixed interest rate (go to naca.com for the current rate).  Everyone gets the same incredible terms, including the below-market interest rate, regardless of their credit scores or other factors.  NACA has $13 billion in mortgage commitments from the country’s largest lenders for this incredible mortgage product.  Virtually 100% of NACA-Qualified customers are approved and funded.
  • Renovations – For Purchase Program homebuyers whose property is in need of repairs.  NACA’s Home and Neighborhood Development (“HAND”) department assists them throughout the repair and renovation process.
  • Homeowner Assistance – For Purchase Program homeowners who experience financial difficulties, NACA’s Membership Assistance Program (“MAP”) provides services including mortgage modifications, payment agreements and financial assistance to help avoid foreclosure.
  • Home Save – For homeowners with an unaffordable mortgage, NACA is the largest and most effective program in providing affordable solutions providing such solutions to over two-hundred-thousand at-risk homeowners nationwide. NACA has been able to restructure unaffordable mortgages by permanently reducing interest rates to as low as two-percent and reducing outstanding principle balances to achieve affordable mortgage payments.  NACA has legally binding agreements with all the major servicers and lenders requiring them to provide the best solutions for at-risk homeowners through NACA.

Interested candidates may begin the application process at https://www.naca.com/nacaWeb/job/jobNews.aspx

Please be aware you will have a maximum of one hour to complete the application.

Posted in NACA Purchase Program, NACA Technology, Save the Dream, Uncategorized | Leave a comment

Now Hiring – Mortgage Consultant – New Orleans, LA

MORTGAGE CONSULTANT

 

SALARY RANGE: $45,000- $65,000+, plus substantial production incentives

LOCATION:  Offices Nationwide

CONTACT: HR Department: hr@naca.com

BENEFITS: Excellent single/family health and dental PPO, 75% employer contribution & 401K.

Website: www.naca.com

______________________________________________________________________

 

POSITION SUMMARY:

The Mortgage Consultant provides comprehensive, individual face-to-face housing counseling services in a local NACA office to homebuyers in NACA’s Purchase Program.  The Mortgage Consultant assists homebuyers to overcome the roadblocks that prevent them from purchasing a home.  This includes individual counseling to qualify for NACA’s Best in American mortgage (based on the Members overall circumstances, not credit scores) and assistance through the mortgage closing.

 

The Mortgage Consultant originates affordable mortgages for NACA-qualified home buyers:

  • Counsel Home Buyers and Originate Mortgages:
    • Understand the Member’s motivation to become a homeowner and provide clear direction.
    • Work with the Member to develop an affordable budget and address budget issues, determine a maximum affordable purchase price, and provide Action Plans to homebuyers on their next steps.
    • Educate the Member on alternative mortgage products or solutions.
    • Assist Members during the housing search and home purchase.
    • Submit and obtain mortgage applications and clear outstanding conditions.
  • Provide Accurate Mortgage Analyses and Clear Written and Verbal Communication:
    • Work with NACA’s software to accurately complete documentation and data entry for efficient and paperless mortgage qualification, processing and underwriting.
    • Write narrative analyses and action plans documenting next steps after each counseling session.
    • Qualify Members by reviewing payment history, liabilities and other credit information.
    • Examine and process documents, addressing issues as needed.
  • Support NACA’s Mission
    • Support and enthusiastically engage in NACA’s advocacy.  This includes community issues, actions and campaigns.  Support and defend the organization’s philosophy, tactics and advocacy. Educate Members on the NACA mission and its services.  Conduct effective Home Buyer and Purchase Workshops.
    • Assist in outreach focused on low/moderate income communities, churches and job sites.
  • Other duties as assigned.

 

HOURS:

Approximately 45 to 50+ hours weekly and as necessary to meet the demands of the job.  Typical working hours are: 8:30 a.m. to 6:00 p.m. weekdays, plus two weekends every month for Home Buyer Workshops and/or counseling.

 

 

 

INCENTIVE COMPENSATION:

Mortgage Consultant incentive is described in the NACA Results Compensation Program Incentive compensations depends on the number and category of loans closed.  NACA offers a Development Period with additional base pay for training and development of a pipeline.

 

NACA is likely the only job in the mortgage industry that allows Mortgage Consultants to provide primarily low and moderate income borrowers with an incredible mortgage, and make considerable income without engaging in abusive lending practices (i.e. increase the rate, charge points or fees, etc.).  NACA offers one single mortgage product to all its Members, whether a prime or sub-prime borrower.  It is considered the Best Mortgage in America and there is tremendous demand for the program.  A NACA Mortgage Consultant’s compensation is based on results with the expectation of closing five to ten loans per month and earning $65,000+ with the opportunity to make six figures.

 

A. EDUCATION:

  • B.A. or B.S. – Preferred
  • High School Graduate or Equivalency – Required
  • Mortgage and/or real estate courses – Highly Preferred

 

B. EXPERIENCE:

At least two years demonstrating some or all of the following:

  • Mortgage brokerage, origination and/or processing
  • Counseling or social work, such as school guidance
  • Other relevant experience: education; customer service; mortgage loss mitigation
  • Real estate brokerage experience and/or knowledge
  • Financial counseling or advisory role

 

C. LICENSES:

Must already possess a Mortgage Loan Originator license in the state of employment or be able to obtain a license within 90 days of employment.  Non-licensed Mortgage Consultants must pass state licensing exam(s) within 21 days of hire and obtain a license in 90 days.  NACA will provide assistance with the education and exam process and will pay the pre-licensing education and the costs of obtaining and maintaining a license.

 

APPLICATION:

All applicants must complete an in-depth application on-line in the jobs section at www.naca.com.

 

NACA is an equal opportunity employer and strongly encourages minorities and bilingual people, particularly those who speak and write in Spanish to apply.

 

NACA OVERVIEW:

NACA, the Neighborhood Assistance Corporation of America (naca.com), is one of the most exciting organizations in the country.  NACA is a national non-profit homeownership, HUD-certified housing counseling and community advocacy organization.  We are a high-profile organization whose affordable mortgage programs and community advocacy are frequently featured in the national, international and local media.  NACA is the largest and most effective housing services organization in the country and is rapidly growing with 40+ offices nationwide, a counseling center in Charlotte, and over 500 staff.  We are hiring many additional staff for existing and new offices nationwide, local organizers, and managers based in the Boston corporate office with opportunities for career development and advancement.  NACA’s seeks staff with a positive and open attitude, a willingness to work hard, pays attention to detail, and is flexible.  The candidate must also have a determination to achieve NACA’s mission of economic justice and a willingness to participate in NACA sponsored or supported campaigns and activities.

 

Started in 1988, NACA has a strong track-record of successful advocacy against predatory and discriminatory lenders. NACA’s success is a result of its aggressive, confrontational advocacy.  We have taken on campaigns against some of the country’s most powerful companies and individuals and won.  NACA has revolutionized mortgage lending with its mortgage programs and advocacy.  NACA continues its aggressive advocacy for working people and communities in the fight for economic justice and affordable homeownership for all.  In addition to affordable homeownership, this includes precedent setting multi-state ballot initiatives on issues such as student debt, tax equity, voter access and other economic justice issues.

 

NACA has established the national standard for homeownership programs.

  • Purchase – For homebuyers who will be owner-occupants, the Purchase Program makes the right to affordable homeownership a reality for homebuyers.  By basing its mortgage underwriting criteria on homebuyers’ overall circumstances and not on traditional risk-based pricing or credit scores, NACA provides broad access to its Best in America mortgage –a mortgage with no down payment, no closing costs, no fees, no requirement for perfect credit and is always at a below-market, fixed interest rate (go to naca.com for the current rate).  Everyone gets the same incredible terms, including the below-market interest rate, regardless of their credit scores or other factors.  NACA has $13 billion in mortgage commitments from the country’s largest lenders for this incredible mortgage product.  Virtually 100% of NACA-Qualified customers are approved and funded.
  • Renovations – For Purchase Program homebuyers whose property is in need of repairs.  NACA’s Home and Neighborhood Development (“HAND”) department assists them throughout the repair and renovation process.
  • Homeowner Assistance – For Purchase Program homeowners who experience financial difficulties, NACA’s Membership Assistance Program (“MAP”) provides services including mortgage modifications, payment agreements and financial assistance to help avoid foreclosure.
  • Home Save – For homeowners with an unaffordable mortgage, NACA is the largest and most effective program in providing affordable solutions providing such solutions to over two-hundred-thousand at-risk homeowners nationwide. NACA has been able to restructure unaffordable mortgages by permanently reducing interest rates to as low as two-percent and reducing outstanding principle balances to achieve affordable mortgage payments.  NACA has legally binding agreements with all the major servicers and lenders requiring them to provide the best solutions for at-risk homeowners through NACA.

 

This job description is solely for descriptive purposes and the responsibilities may change.   It does not constitute a contract for employment, and all employment at NACA is at-will.

Interested candidates may begin the application process at https://www.naca.com/nacaWeb/job/jobNews.aspx

Please be aware you will have a maximum of one hour to complete the application.

Posted in NACA Purchase Program, NACA Technology, Save the Dream, Uncategorized | Leave a comment

Now Hiring – Mortgage Consultant – Baton Rouge, LA

MORTGAGE CONSULTANT

 

SALARY RANGE: $45,000- $65,000+, plus substantial production incentives

LOCATION:  Offices Nationwide

CONTACT: HR Department: hr@naca.com

BENEFITS: Excellent single/family health and dental PPO, 75% employer contribution & 401K.

Website: www.naca.com

______________________________________________________________________

 

POSITION SUMMARY:

The Mortgage Consultant provides comprehensive, individual face-to-face housing counseling services in a local NACA office to homebuyers in NACA’s Purchase Program.  The Mortgage Consultant assists homebuyers to overcome the roadblocks that prevent them from purchasing a home.  This includes individual counseling to qualify for NACA’s Best in American mortgage (based on the Members overall circumstances, not credit scores) and assistance through the mortgage closing.

 

The Mortgage Consultant originates affordable mortgages for NACA-qualified home buyers:

  • Counsel Home Buyers and Originate Mortgages:
    • Understand the Member’s motivation to become a homeowner and provide clear direction.
    • Work with the Member to develop an affordable budget and address budget issues, determine a maximum affordable purchase price, and provide Action Plans to homebuyers on their next steps.
    • Educate the Member on alternative mortgage products or solutions.
    • Assist Members during the housing search and home purchase.
    • Submit and obtain mortgage applications and clear outstanding conditions.
  • Provide Accurate Mortgage Analyses and Clear Written and Verbal Communication:
    • Work with NACA’s software to accurately complete documentation and data entry for efficient and paperless mortgage qualification, processing and underwriting.
    • Write narrative analyses and action plans documenting next steps after each counseling session.
    • Qualify Members by reviewing payment history, liabilities and other credit information.
    • Examine and process documents, addressing issues as needed.
  • Support NACA’s Mission
    • Support and enthusiastically engage in NACA’s advocacy.  This includes community issues, actions and campaigns.  Support and defend the organization’s philosophy, tactics and advocacy. Educate Members on the NACA mission and its services.  Conduct effective Home Buyer and Purchase Workshops.
    • Assist in outreach focused on low/moderate income communities, churches and job sites.
  • Other duties as assigned.

 

HOURS:

Approximately 45 to 50+ hours weekly and as necessary to meet the demands of the job.  Typical working hours are: 8:30 a.m. to 6:00 p.m. weekdays, plus two weekends every month for Home Buyer Workshops and/or counseling.

 

 

 

INCENTIVE COMPENSATION:

Mortgage Consultant incentive is described in the NACA Results Compensation Program Incentive compensations depends on the number and category of loans closed.  NACA offers a Development Period with additional base pay for training and development of a pipeline.

 

NACA is likely the only job in the mortgage industry that allows Mortgage Consultants to provide primarily low and moderate income borrowers with an incredible mortgage, and make considerable income without engaging in abusive lending practices (i.e. increase the rate, charge points or fees, etc.).  NACA offers one single mortgage product to all its Members, whether a prime or sub-prime borrower.  It is considered the Best Mortgage in America and there is tremendous demand for the program.  A NACA Mortgage Consultant’s compensation is based on results with the expectation of closing five to ten loans per month and earning $65,000+ with the opportunity to make six figures.

 

A. EDUCATION:

  • B.A. or B.S. – Preferred
  • High School Graduate or Equivalency – Required
  • Mortgage and/or real estate courses – Highly Preferred

 

B. EXPERIENCE:

At least two years demonstrating some or all of the following:

  • Mortgage brokerage, origination and/or processing
  • Counseling or social work, such as school guidance
  • Other relevant experience: education; customer service; mortgage loss mitigation
  • Real estate brokerage experience and/or knowledge
  • Financial counseling or advisory role

 

C. LICENSES:

Must already possess a Mortgage Loan Originator license in the state of employment or be able to obtain a license within 90 days of employment.  Non-licensed Mortgage Consultants must pass state licensing exam(s) within 21 days of hire and obtain a license in 90 days.  NACA will provide assistance with the education and exam process and will pay the pre-licensing education and the costs of obtaining and maintaining a license.

 

APPLICATION:

All applicants must complete an in-depth application on-line in the jobs section at www.naca.com.

 

NACA is an equal opportunity employer and strongly encourages minorities and bilingual people, particularly those who speak and write in Spanish to apply.

 

NACA OVERVIEW:

NACA, the Neighborhood Assistance Corporation of America (naca.com), is one of the most exciting organizations in the country.  NACA is a national non-profit homeownership, HUD-certified housing counseling and community advocacy organization.  We are a high-profile organization whose affordable mortgage programs and community advocacy are frequently featured in the national, international and local media.  NACA is the largest and most effective housing services organization in the country and is rapidly growing with 40+ offices nationwide, a counseling center in Charlotte, and over 500 staff.  We are hiring many additional staff for existing and new offices nationwide, local organizers, and managers based in the Boston corporate office with opportunities for career development and advancement.  NACA’s seeks staff with a positive and open attitude, a willingness to work hard, pays attention to detail, and is flexible.  The candidate must also have a determination to achieve NACA’s mission of economic justice and a willingness to participate in NACA sponsored or supported campaigns and activities.

 

Started in 1988, NACA has a strong track-record of successful advocacy against predatory and discriminatory lenders. NACA’s success is a result of its aggressive, confrontational advocacy.  We have taken on campaigns against some of the country’s most powerful companies and individuals and won.  NACA has revolutionized mortgage lending with its mortgage programs and advocacy.  NACA continues its aggressive advocacy for working people and communities in the fight for economic justice and affordable homeownership for all.  In addition to affordable homeownership, this includes precedent setting multi-state ballot initiatives on issues such as student debt, tax equity, voter access and other economic justice issues.

 

NACA has established the national standard for homeownership programs.

  • Purchase – For homebuyers who will be owner-occupants, the Purchase Program makes the right to affordable homeownership a reality for homebuyers.  By basing its mortgage underwriting criteria on homebuyers’ overall circumstances and not on traditional risk-based pricing or credit scores, NACA provides broad access to its Best in America mortgage –a mortgage with no down payment, no closing costs, no fees, no requirement for perfect credit and is always at a below-market, fixed interest rate (go to naca.com for the current rate).  Everyone gets the same incredible terms, including the below-market interest rate, regardless of their credit scores or other factors.  NACA has $13 billion in mortgage commitments from the country’s largest lenders for this incredible mortgage product.  Virtually 100% of NACA-Qualified customers are approved and funded.
  • Renovations – For Purchase Program homebuyers whose property is in need of repairs.  NACA’s Home and Neighborhood Development (“HAND”) department assists them throughout the repair and renovation process.
  • Homeowner Assistance – For Purchase Program homeowners who experience financial difficulties, NACA’s Membership Assistance Program (“MAP”) provides services including mortgage modifications, payment agreements and financial assistance to help avoid foreclosure.
  • Home Save – For homeowners with an unaffordable mortgage, NACA is the largest and most effective program in providing affordable solutions providing such solutions to over two-hundred-thousand at-risk homeowners nationwide. NACA has been able to restructure unaffordable mortgages by permanently reducing interest rates to as low as two-percent and reducing outstanding principle balances to achieve affordable mortgage payments.  NACA has legally binding agreements with all the major servicers and lenders requiring them to provide the best solutions for at-risk homeowners through NACA.

 

This job description is solely for descriptive purposes and the responsibilities may change.   It does not constitute a contract for employment, and all employment at NACA is at-will.

Interested candidates may begin the application process at https://www.naca.com/nacaWeb/job/jobNews.aspx

Please be aware you will have a maximum of one hour to complete the application.

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MORTGAGE MODIFICATION EVENT OPEN IN SPITE OF WINTER WEATHER

*****MEDIA ADVISORY*****
FOR IMMEDIATE RELEASE
Press Release – November 17, 2014

CONTACT:

Ricardo Herrera, Director of Communications, Cell: 704-962-1605; rherrera@naca.com
Tim Trumble, Media Coordinator, Cell: 888-404-6222 ext 9893; ttrumble@naca.com

 

WEATHER FAILS TO HALT FREE MORTGAGE RELIEF EVENT

WHO: Homeowners & Home Buyers
WHAT: Mortgage Relief For Homeowners – Mortgage Approvals For Home Buyers.
WHEN: Today through Tuesday, November 18th, 8:00 am – 6:00 pm each day
WHERE: Duke Energy Convention Center – 252 Elm St., Cincinnati, OH 45202

(November 17, 2014 – Cincinnati, OH ) – The winter storm affecting the Cincinnati area has NOT affected NACA’s Mortgage Assistance Event underway at the Duke Energy Center.  Doors are open for the event today until 6pm and the event will conclude as scheduled tomorrow with doors again open 8:00am to 6:00pm.  NACA staff as well as all the major lenders and investors are still on hand to provide same-day solutions.

Hundreds of NACA counselors, bank , servicer and investor reps are still on hand to help struggling homeowners achieve affordable mortgage solutions.

“NACA is relentless in our efforts on behalf of American Homeowners”, according to Rick Herrera, Director of Communications for the organization. “Not even the weather stops us from helping struggling homeowners seek an affordable mortgage payment.  In the past, we have faced dust storms and even tornado threats during the 150 events we have conducted across the country. While we of course want everyone to be safe when coming to our events, we want them to also be assured that we are here and ready to help even during rough weather. ”

Herrera also said that Tuesday will still have to be the final day for the event as originally scheduled as the logistics of producing the event prohibit extending it an extra day.

NACA’s is the nation’s largest HUD Certified non-profit. Our American Dream Tour event gives homeowners the opportunity to meet face to face with their lender along with a NACA advocate to obtain an affordable solution the same day. Many homeowners have their interest rate reduced to as low as 2% and possibly receive a principal reduction, saving hundreds and sometimes more than a thousand dollars a month on their mortgage payment. NACA has done over 150 American Dream events, assisting over a quarter-million homeowners nationwide. Homeowners from all over the region, including Columbus, Cleveland, Indianapolis and Louisville are expected to attend.

 

Homeowners with Bank of America loans can potentially benefit from the recently announced $17 Billion mortgage settlement with the Justice Department as well as the other settlements. Since all of NACA’s services are free, homeowners have everything to gain and nothing to lose.  RealtyTrac notes that there are currently 3,928 properties in Cincinnati alone that are in some stage of foreclosure.

NACA’s Home Save and Purchase programs have been highlighted on the national and local news as the most effective in providing affordable homeownership. This includes home buyers who can qualify at the event for NACA’s Best in America Mortgage: no down payment, no closing costs, no points or fees, and everyone receives a below market interest rate without consideration of their credit score but based on their individual circumstances. Homeowners and homebuyers can again realize the dream of affordable homeownership. For documents needed and to register, go to www.naca.com or call 281-968-6222. Walk-ins are welcome.

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

CBS Evening News: $17 Billion Mortgage Settlement

About NACA (www.naca.com):
NACA, Neighborhood Assistance Corporation of America, is one of the largest HUD certified counseling agency with more than two million members. NACA is the largest and most effective organization in modifying mortgages and provides the best mortgage in the country. NACA has been highlighted in the national news and its 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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Home Save Required Documents

Here are the required documents for NACA to create and submit a proposal for the modification of your mortgage:

Section 1- Required Documents for All Borrowers, Co-Borrowers and Household Contributors

 

Most recent 2 years Tax Returns- Signed and dated.  This includes personal and business tax returns if self-employed.
Most recent  Two (2) Months Bank Statements for all Accounts- All pages even if blank
Personal Identification (picture ID or current driver’s license) and Current Utility Bill showing proof of occupancy
Mortgage Statement- Most recent available
Homeowner Association (HOA/Condo/Coop) Fee Statement or if n/a, write a letter stating that you do not have a HOA
Insurance Declaration Page showing yearly premium & coverage on the home, flood insurance statement (if applicable) and proof of any other required insurance for the home.  FYI- Most Condo/Coop insurance is covered by the HOA/Maintenance Fee.
Property Tax Statement (s) for city and county, if applicable, showing amount due each year (Taxes included in the Maintenance Fee for Coops)

Section 2 – Required Documentation Based on Income Type

Income Type

Required Documentation

Paystubs Last 30 days Paystubs showing YTD earnings
Contribution Non-Borrower Contribution and Authorization Form- to be completed by all Contributors.  Contributors must also provide proof of income, complete form 4506T AND provide the applicable items from Section 1 above.  Borrower must provide two (2) months current bank statements showing contribution income is being deposited.
Rental Current Lease agreement and 2 months current bank statements showing rental income is being deposited.
Self-Employed Most recent  6-month or YTD Profit & Loss Statement; and last 6 months bank statements with business deposits and business expenses identified and categorized, most recent Federal Income Tax Return (form 1040 with all schedules attached, and Business Tax Return:  form 1065, 1120-S or 1120, whichever is applicable.)
Social Security Most recent year’s benefits award letter, last 2 months bank statements (showing money is being direct deposited) or copy of last 2 months cancelled checks if money is not direct deposited
Pension Most recent  year’s benefits award letter, last 2 months bank statements (showing money is being direct deposited) or copy of last 2 months cancelled checks if money is not direct deposited
Child Support Court document or divorce decree showing required payment amount, last 2 months bank statements or cancelled checks proving receipt of income.  Use of child support income is optional.  If included, borrowers must provide the required documentation.
Alimony Court document showing required payment amount, last 2 months bank statements or copy of last 2 months cancelled checks if money is not being deposited
Disability Most recent year’s benefits award letter, last 2 months bank statements showing income direct deposited or copy of 2 months of cancelled checks if money is not being deposited
Unemployment Current award letter or unemployment statement showing amount of benefits and how long benefits will last
Retirement Award letter showing entitlement to income and last 2 months bank statements (show money is being direct deposited) or copy of last 2 months cancelled checks

Section 3 – Other Documents- may be needed depending upon individual circumstance

Notice of Sale Date or Intent to Foreclosure
Bankruptcy – Attorney Permission Letter required when in active bankruptcy.  The letter must include:  borrower’s name, property address, loan number, BK case #, and must state that your Mortgage Company has permission to work directly with you in regards to modifying the mortgage.  Borrower must provide the Bankruptcy Discharge Letter when once the bankruptcy has been discharged.
Death Certificate – May be needed if one of original borrowers is deceased
Executor of Estate – May be needed if original mortgager is deceased
Quit Claim Deed – Is needed when one borrower on the note no longer resides in the property and has given up their interest in the property.  Divorce Decree is needed if ex-spouse was on the mortgage.
 Authorization to Escrow (required in some states, especially CA)
Lien releases or subordination agreement – needed if liens show on the title report (2nd mortgage, IRS lien, judgments from creditors.

Section 4 – Documents to be completed as part of your Counseling Session

Form 4506T, signed and dated
Form 710 for Fannie Mae and Freddie Mac-owned loans, RMA for all Other Loan types, Hardship Affidavit for FHA loans
Dodd-Frank Certification
Authorization Form with property address, city, state and zip written on each page.  Borrower must also initial each page.
Hardship Explanation and Affidavit
NACA Budget

 

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