Live Chat Now on NACA Website

The newly redesigned NACA website ( includes a number of changes designed to make access to your file and a wealth of information elswhere on the site much simpler.  A very exciting NEW FEATURE is LIVE CHAT, giving you the option of realtime communication with a NACA representative for either the Home Save or Purchase Program.

If you haven’t been on the website recently, it’s definitely worth a look!

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  1. Cheryl Joyner
    Posted January 25, 2013 at 9:47 am | Permalink

    Our NACA ID#xxxxxxx. Our mortgage consultant is on a medical leave of absence. We were hoping to be approved and buying the house we live in by now. What happened? Having a problem talking to someone. Made phone calls, wrote numerous emails, visited office in area, all to no avail. Having a problem getting into account because my computer is a macintosh and does not have windows 7. Would like to hear from someone asap. You can call on xxx xxx-xxxx.

    • Posted January 25, 2013 at 10:33 am | Permalink

      Hello Cheryl Joyner,

      First please remember that NACA’s Social Media Policy prohibits posting any personal information here or on any of our social media sites. This includes your member ID number and phone number. These sites are not membership restricted and can be viewed by anyone on the internet. This policy exists for your protection and must be strictly adhered to, especially in this age of identity theft. Please make sure to read through the policy on the Forum’s main (blog) page.

      As you noted, your MC is away on a medical leave of absence. This has left the office short staffed, and with every NACA counselor already handling a heavy caseload, reassigning files during such an occurrence is extremely difficult. I will be contacting the Office Manager with a request to review the file and contact you on how to best proceed.

      I also see that your file has been locked as a result of too many failed login attempts. You have been sent a temporary password by email which will unlock the file and restore your access.

      Tim Trumble
      Online Operations, NACA

  2. mliddi
    Posted January 29, 2013 at 6:38 pm | Permalink

    Hello There,

    I am just starting the process to save my home.

    If we own another property, are we still eligeable for the home we live in- The other property is rented?

    Do I have to fill out the paperwork on line or do I just bring all my paper copies to one of the events?

    • Posted January 30, 2013 at 11:20 am | Permalink

      Hello mliddi,

      We can work with you as long as the property we are trying to save is your primary place of residence. You may begin the process either way.

      Tim Trumble
      Online Operations, NACA

  3. shdmoore
    Posted January 31, 2013 at 8:38 am | Permalink

    Can someone please provide a legible copy of the gift form? I have had a difficult time locating one.

  4. Posted February 11, 2013 at 6:30 pm | Permalink

    Hello; I feel that I have been denied unjustly, because of a error made on my UNIFORM AGREEMENT form, causing my monthly bills not to be reported correctly. I noted on the form that a spreadsheet was sent to NACA website becajuse of insufficient room on form to list all of my monthly bills.

    • Posted February 11, 2013 at 10:13 pm | Permalink

      Hello Joel Brooks,

      Please contact NACA Member Services when the National Counseling Center reopens on Monday, February 18th at 666-404-6222 so we can review your file and discuss your concerns.

      Tim Trumble
      Online Operations, NACA

  5. fanta
    Posted December 7, 2015 at 11:35 am | Permalink

    hello I attended the naca workshop yesterday in Atlanta GA but I am looking to move to los Angeles will I still be able to do this

    • Posted December 7, 2015 at 4:10 pm | Permalink

      Hello fanta,

      Not a problem. Once you move to LA we can simply transfer your file.

      Tim Trumble
      Online Operations, NACA

  6. Jasmine
    Posted May 26, 2016 at 7:44 pm | Permalink

    Hi! I attended and completed the latest info session on 5/14 in Watts. I was told that someone would email to set up my first appointment and provide a memeber number; however, I have not heard from anyone yet. Please assist with the needed information as I would like to start moving forward as soon as possible in the process. Thanks.

  7. Tiara Carter
    Posted August 29, 2016 at 3:24 pm | Permalink

    Am I able to change jobs while still going through the NACA pre approved stages? I only had my intake session, my next one is in a month and needed to know should I deny this job offer since I am not qualified yet? When I asked this question before I was told I should be okay but when I Google this it says otherwise. And if so are there any limitations I should be made aware of when changing jobs?

    • Posted August 29, 2016 at 4:09 pm | Permalink

      Hello Tiara Carter,

      If you use Google, you are just as likely to find bad information as an accurate answer. As long as there is not a gap between jobs of 30 days or more, you are okay.

      Tim Trumble
      Online Operations, NACA

  8. Posted September 30, 2016 at 7:14 am | Permalink

    Is the chat feature still available ?

  9. robyn
    Posted March 9, 2017 at 7:19 am | Permalink

    I am wondering if it’s possible to fax all of my information to naca instead of going to the actual the appointment?

    • Posted March 9, 2017 at 9:03 am | Permalink

      Hello robyn,

      Actually, you should fax, email or upload documents to your file before going to your counseling appointment. Bringing the documents to the appointment is a backup system to ensure the documents are available, not the main purpose of the appointment.

      You may submit the documents to your file by fax using the special NACA Fax Cover Sheet you can download through your webfile, email the documents to the file by scanning them into PDF format and emailing them to (the XXXXXXX is yoru member ID number) or by uploading them as TIF files through your webfile online.

      Unless specifically directed otherwise by your counselor, you attendance at the appointment is still mandatory.

      Tim Trumble
      Online Operations, NACA

    Posted April 3, 2017 at 9:40 pm | Permalink

    hello I got a property financed by naca,but i wanna sell it .what can i do?it s an emergency.what is the better way?

    • Posted April 4, 2017 at 10:14 am | Permalink


      The first thing you must do is obtain a release of the lien NACA places on the property to guarantee owner occupancy. Please call the NACA Member Assistance Program (NAP) at 281-968-6222 to get the process started. Other than that there are no restrictions on selling the home. However please be aware that you may not use the NACA program to buy another home for three years after you closed on the previous home you bought through us.

      Tim Trumble
      Online Operations, NACA

  11. Rigoberto Morelos
    Posted September 15, 2018 at 7:24 pm | Permalink

    i need to know what to do becuase they have not called me

  12. Kishia Adams
    Posted February 16, 2019 at 6:36 am | Permalink

    I was just wondering how do I find areas that I can live or move to that is under Naca guidelines I live in Florida rockledge 32955

    • Posted February 21, 2019 at 12:46 pm | Permalink

      Hello Kishia Adams,

      The only restriction on where you may buy (other than your own affordability and the government’s Conforming Loan Limit) is based on whether or not your household income is above or below 100% of the median income for your Metropolitan Statisitical Area (MSA). If you income is above 100% you will be required to buy in a Census Tract (think “neighborhood”) which has a median income of less than 100% of that for the MSA.

      Your real estate agent can help you determine which Census Tracts qualify if you should have that requirement.

      Tim Trumble
      Online Operations, NACA

    • Posted February 27, 2019 at 2:29 pm | Permalink

      Hello Kishia Adams,

      If your household income is less than 100% of the median income for your Metropolitan Statistical Area (MSA), there are no restrictions to where you may buy other than your affordability and the government’s Conforming Loan Limits.

      If you income is more than 100% of the median for your MSA, you will be restricted to buying in a Census Tract where the median income is less than that of the MSA.

      You counselor will advise you regarding yoru eligibility, and your real estate agent can help determine eligible areas if needed.

      Tim Trumble
      Online Operations, NACA

  13. Christina Moore
    Posted February 26, 2019 at 2:52 pm | Permalink

    I start workshop 3/16/19
    I have 2 questions
    1. Can I do workshop in one state and buy in another?
    2. I have to prove I’ve paid rent for a year on time. I shared rent, we always paid cash & he never gave us a receipt.
    Would a letter from him be enough?

    • Posted February 27, 2019 at 2:15 pm | Permalink

      Hello Christina Moore,

      Yes, your initial workshop may be taken anywhere as the workshop is identical nationwide.

      The landlord will be sent a Verification of Rental form after your initial counseling appointment through which he can certifiy that rent has been paid on time. However, you are going ot have to show on your bank statements where you withdrew the money each month to coincide with the form and write a Letter of Explanation regarding how the rent was paid. If your bank statements do not demonstrate a solid patter of rent payment, I’m afraid it’s almost certainly going to stop you cold.

      From this point forward, pay your rent by check or money order without exception. You actually were in extremely dangerous territory paying the rent by cash and not even getting a receipt. You actually have no proof whatsoever that you in fact paid the rent, which leaves you at the mercy of the landlord without any way of defending yourself if he should decide to evict you for any reason whatsoever, and may cause you up to a year’s delay while you build proof that you have been on time paying the rent every month.

      Tim Trumble
      Online Operations, NACA

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