Fratti – Double Size
Since we moved to Georgia in 2011, we had been praying for God to bless us with our own home; out first home. On April 8, 2016, that prayer was answered in a mighty way through the NACA program. We heard about NACA from a neighbor when we first moved to Georgia. In 2013, I looked into the program and we attended a workshop. Shortly after we met with a counselor who advised us on the many things we needed to do and fix to move forward. I was discouraged and we made the decision to step away from NACA and wait. Over the next year or so we started to really work on improving our credit and becoming more responsible. I thought about applying for a home loan through a local bank but my credit score and report was still not where it needed to be. One day I received an email from NACA asking if I were still interested in buying a house; of course I was. But still the list of items to fix and supply to NACA was too long for me to be bothered with, so again I said no, not right now. All this time we made efforts to pay some old collection notices and repair credit. And yet another email came from NACA, this time the counselor was Esau Davis and we said, OK let’s give it a try. That was in October 2015. Well, Esau told us exactly what we needed to do to get approved for a home loan. The list was much shorter and manageable; but time consuming. Admittedly, this process was very frustrating at times and it was hard to see the light at the end of the tunnel. Esau was very patient with us (more so with me as I drove him crazy) and worked very diligently to move our file along.
Finally, in February 2016 we were approved for $163,765 with a fixed interest rate of 3.375%! Before the end of February, we found a house and were in contract for a sale price of $156,000. On April 8, 2016 we became homeowners only having to pay $217 at closing! Our total out of pockets expenses to move into our home was only $1067, what an amazing Blessing. We are still settling in, but we love our home.
We praise God for what He has done. We now have OUR OWN home.
NACA is a wonderful program that really works. It is a process and yes it is time consuming and at times will make you want to pull your hair out. But guess what, they WILL make you a homeowner and you WILL save thousands of dollars. Just be patient, it’s worth it!