March 29, 2021 at 7:15 pm #74820MrsJLA334Participant
I’m an Alabama resident and I wanted to find others that may be going through the program like my family and myself. Even if you aren’t, I would like to hear your journey and your steps. ANY tips would be greatly appreciated!
We attended the Workshop on March 27th, 2021 and our Intake Appt is scheduled for April 8th. We’ve uploaded as much as we could but we did NOT upload any DEBT because we don’t know what it is that we should upload. We don’t have any credit card. The 2 that I had are no longer active. We have items that are in collections though.
I appreciate any and all help. Thank you in advance!
Mrs JLAApril 10, 2021 at 1:02 pm #74962Z’s momMember
I’m in Alabama. This is my second time going through the NACA process. The first time was 4 years ago and was relatively smooth. I had a great mortgage counselor then, however she is no longer with NACA. I was approved and went through the house hunt. I just had a hard time finding a house I loved. And when I finally found one that I liked after going through inspection and reinspection a basement leak and mold in the finished basement was discovered and the sellers refused to pay for remediation, so I walked away, got discouraged and quit looking.
This go round I was qualified a year ago. Same thing wrote a contract and agreed on a price then discovered that the house had multiple issues that weren’t disclosed (roof leaks, hvac system needed replacing). Sellers again refused to fix. HAND wouldn’t sign off and because it was close to the top of my budget I couldn’t absorb the cost to fix myself. It’s been a trial but not so much NACA but the sellers. If I could afford new construction I would be closed already I’m sure.April 12, 2021 at 7:33 am #75000MrsJLA334Participant
Your story sounds similar to a couple of other people’s that I’ve spoken to. Congratulations your first house and now your second! My husband and I had an Intake appointment set for April 8th but then the day before our appt, they changed our counselor and rescheduled our appt out of the blue. I’ve heard other people on Youtube mention that this happened to them a lot. I’m a firm believer that things happen for a reason so we’re hanging in there. We have to wait until June now.April 13, 2021 at 9:37 pm #75040dreamhome2Participant
@Z’s mom I’m going through the naca process for the 2nd time in Alabama too. I have an appointment April 16th and hope to be sent to qualification for the 3rd time! I feel you on new construction, Ive gone out and looked at some houses and just don’t want to pay that kind of money for a house. It seems like they increase the purchase price by $1-2 thousand every couple weeks.May 1, 2021 at 6:56 pm #75290Annet3422Participant
Thank you so muchMay 1, 2021 at 10:13 pm #75292Z’s momMember
@dreamhome2, they really do seem to keep going up. I feel like at this point I’m just chasing my tail, or as the other expression goes, once you achieve one goal they move the goal post. I’m trying to get my head wrapped around how expensive houses are now, but at the same time I don’t want to be upside down on a house. Especially since no one knows if these houses will hold these suddenly inflated values. And the new construction prices are outrageous, $230k for 1300-1400 sq ft.
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