I have a question on how seller conessions work with NACA. I want to use my $1600 for repairs for the home. Will i get the $1600 OR will I have to hire a contractor to work with NACA HAND and they pay out the $1600. This can be a problem for me because, no one in my area wants to work with NACA. I know i can use them for buying down the interest rate and that would be my last choice if i couldnt get the $1600 back for repair.