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    Hello Everyone, I am new to this forum but I’ve been following and reading some of the conversations here and they do really helped a lot.
    Finally we got the pre-approval already and currently shopping for a house. I gave up my realtor friend as me and my husband decided to get a in house realtor since they know much more abt the program. We decided to live close to my parents since I actually take care of them esp my dad is sick. However the area that they’re living NACA has a very limited targeted area. We lost for houses that we make offer for and we want to give up already because no more houses everything has been sold. Now, my question there is another property like 5min away from my parents BuT it’s 100.8%. I was adv when we were just starting that they can try to helped or worked it out for us. I spoke to our realtor and was adv that he asked our office manager but up now no reply still..what will I do? I don’t want to loose this house again.
    Is it possible for us to make an offer to this house considering it’s 100.8 and also who do I need to contact too in regards to this issue..

    Thank you very much. God bless


    Unfortunately you cannot purchase outside of the target area. You must purchase in an area where the median income is 100% or less. There are no exceptions. Even $1 over is too much. 🙁


    I have actually heard of exceptions to this. Try reaching out to your office manager yourself and ask for an exception. I heard of someone on here getting one, and seeing as how it is so close and you are having such issues, they might be able to work with you.

    You can also try reaching out to the regional director as well and seeing what they say. It is a pretty hard rule, but I read someone on here who got an exception from their regional director because the number was just a smidge over.

    It’s worth a shot, the worst they can say is no.


    Hello LVmom28,

    This question actually brings up a point that has needed to be made for some time. for some reason that I do not understand, people seem to automatically think that if they need some sort of additional help they have to contact someone different that the person they have already been working with. Not just at NACA, but everywhere.

    Your counselor is your primary point of contact through the process. If you need an exception, it is your counselor’s responsibility to seek it for you. If you need your file escalated, it is your counselor who initiates the escalation. And so on.

    Beyond that, NACA Member Services is there to provide you with general information, routine file updates and so on.

    I wind up scratching my head when somebody contacts me with a question or request for help when they’ve already contacted the Office Manager, Member Services, Regional Director, Director of Mortgage Operations, CEO, and so on, yet hasn’t asked their own counselor. I see that sort of thing WAY more than you think, and more often than not, it becomes a case of “too many cooks”.

    So seeking the exception is something your counselor should be doing for you, and that’s where you should focus your attention. While I understand your desire to find something close to your parents, I suggest you keep up the search and not count on getting an exception to the targeted area rule. or as the old saying goes, “Don’t put all your eggs in one basket”.

    Tim Trumble
    Online Operations, NACA

    • This reply was modified 2 years, 9 months ago by TTrumble.
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