NACA PROCESS – HOUSTON AREA

Home Forums Purchase Program NACA PROCESS – HOUSTON AREA

This topic contains 7 replies, has 4 voices, and was last updated by  Sunshineas1 1 month ago.

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  • #38983

    HtownBound
    Member

    So I’m going to try to give details about our process so far for the Houston Area since reading I’ve read a lot posts and they all seem to be in another state.

    We just started the process this August 2017 – a realtor that is trained for NACA Home Purchase recommended this option. Her name is Gloria Taylor (with Rolyat Realty) if you are looking for someone in the Houston area.

    So our MC, Tonya Richard, is awesome thus far… she has worked hard to squeeze us into her busy schedule. When it’s your appointment she give you her undivided attention.

    Anyways… lets get to our progress so far.

    August 12, 2017 – NACA Workshop
    This last a full day from 8-5; I believe. It’s a overview of the entire process, the purpose behind NACA, and really they try to prepare you for the marathon (not sprint) while reminding you of the benefits on the other side after closing on your home. I really enjoyed it, very informative.

    *August 29th – Intake Appointment
    This is when you meet your MC for the first time and also be prepared with all of the paperwork that is listed in your NACA book. I had almost everything except our credit card statements. You will get an Action Plan which is a to do list.(I don’t want to over commit but I will try to post a list of what was needed.)

    *October 6th – Second Appointment via telephone
    This appointment was more for our MC to upload all of our documents and to get a better ideal on what else will be needed. She basically emailed and requested documents and I sent them back via email. Very simple if you are organized.

    *October 16th – Next Schedule Appointment
    Right now we are close to having our file submitted to an underwriter – we didn’t have any major credit issues with late payments, overdrafts, or horrible credit that sometime delays the process.

    • This topic was modified 2 months ago by  HtownBound.
    #38985

    TTrumble
    Member

    Hello HtownBound,

    Welcome to the Forum and thank you for detailing your progress thus far in the process. I hope you’ll keep us updated as you go along.

    I hope you’ll allow me to make a couple of corrections to what you have shared.

    The initial Home Buyer’s Workshop is no more than four hours long, not all day as you indicated. In fact they typically run closer to three hours, but we schedule a fourth hour to accommodate everyone’s questions.

    Just to clarify, when you are emailing documents that your counselor has requested, please make sure to email them directly to your NACA file, using the address emailxxxxxxx@nacalynx.com (the x’s represent your NACA ID number). This sends the documents directly to your file, and doesn’t rely on your counselor transferring them over to your file. If you want to copy your counselor on that email, that’s okay as a back-up, but ALWAYS email them directly to your file without fail.

    I hope things continue to go smoothly for you, and remember that the Forum community is here to help you with any questions or problems that may arise.

    Tim Trumble
    Online Operations, NACA
    ttrumble@naca.com

    #38988

    HtownBound
    Member

    *NACA WORKSHOP -your correct it did end around noon or 1; thank you for the correction.

    **The emailxxxxxxx@nacalynx.com that was setup for us did not work. I sent all of our documents over prior to our first meeting and our MC was not able to locate them. It was very disappointing BUT I had already cc myself and the MC in each of them and that was my saving grace for that appointment.

    Thanks so much!

    #38989

    HtownBound
    Member

    Oct 12th – It’s officially 2 months after our Workshop today and our file was submitted to the underwriter just now. We are on standby….

    #38990

    blessedfam5
    Member

    You are on your way @htownbound ! But emailing is the easiest way. Make sure they are pdf. files if you are sending through email. Also with email if i have to search i just look at my sent documents and just resend. Good luck!

    #38995

    TTrumble
    Member

    Hello HtownBound,

    Blessedfam5 is correct. Make sure all documents emailed to the file are in the PDF (Adobe Acrobat) format. Also make sure that no individual email, including attachments, is over 10mb in size. In many cases, the servers along the way between your computer and ours will block emails over 10mb for security purposes, so use multiple emails if necessary.

    Tim Trumble
    Online Operations, NACA
    ttrumble@naca.com

    #39053

    HtownBound
    Member

    October 18th – File came back from underwriter with 5 conditions, paperwork is being sent back in on October 19th. We already have our 3 points so hopefully the next time we hear from our MC its because we are qualified.

    #39322

    Sunshineas1
    Participant

    I have Tonya as well she is truly awesome. I have had so many hiccups and honestly she has kept me grounded. Prior to her I had remote counseling Debra Williams having great MC’s makes a difference.

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