Hey all, just wanted to share the good news so that anyone out there in the process would be encouraged to keep pressing on.
Me and my wife closed on our home today. We worked out of the Richmond office and the staff was always there and helpful. Our MC was on point (Cedric Smith) and our counselor (Anthony Fegans) was always easy to talk to. Our NACA realtor was a BEAST (Carl Reed) and really helped move the ball up the court with negotiations.
We heard about NACA last year, but our journey started in February of this year when we did our homebuyers workshop in person. We did our first intake session in April at the Richmond office. When all the COVID stuff happened, I wasn’t sure how things would work out, but it ended up working well for us because NACA stayed on the ball and remote sessions meant that we didn’t have to bring out 6 kids to the office after a 2 hour drive after work. God was even lookin out for us in that!
Like most people, our progress to qualification had its ups and downs, but the process made us take a closer look at our finances and we tightened a few things up along the way. Once qualified, we almost immediately put an offer on a house (we had been looking for several years so we had areas pinned down that we liked). We got beat on the first offer, but the second offer was accepted and the long (sometimes daunting!) process of Credit Access and the following Bank Application ensued. Once again, ups and downs, but we kept on pressing with help and support from the Richmond office.
At the end of the day, we finally closed. Naca came through, and we ended up with a phenomenal rate and beautiful home! We feel confident as new homeowners, and we feel the process equipped us well. We’ve had times when we never thought we’d be able to be where we are today, but now we in there!
Stick with the process. Keep your focus. Communicate. And did I say stick with the process?