My name is Virgil Smith and my wife Monica Wesley, closing with Olivia with Chicago title at the Dallas NACA office for the purchase of our house in Lubbock, Texas. Sabrina Small is our counselor. Our purchase price was $177,500. Our interest rate was a great 5.25%. The best advantage of the program is no closing costs, no credit consideration, no mortgage insurance and a bunch of great people to work with.  Ask questions, be organized, pay your bills on time and do the budget.  Read the handbook. We like to thank Barbara she did a very good job for us as well.

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