We grow up thinking there is no such thing as a “free lunch” and we become accustomed to this being a fact of life.
My NACA experience was a bit different than most in that I had experienced high salaries a few years earlier.
I went out on my own to start a produce company.  Things were going great until 911 hit and all sales dropped.  I was factoring my invoiced at the time and so my business came to a screeching halt. 8 months later I lost everything I had in life from a material standpoint.  And unfortunately from a family stand point as well.
After 8 years of survival and paying off IRS debt and trying to help 3 kids go to college I finally began to get back on my feet.
After renting for over 10 years the thought of owning my own home was always present.  What was not present was the 20-30% down payment and the monies needed for a down payment.
Even if I was making good income to put $60-80k in cash together at my age and situation would have virtually impossible.
In steps NACA…… and my first free lunch!
NACA took me by the hand from that moment on.  They wanted to make sure I was a decent citizen with some fiscal responsibility.  After many iterations on budgets and working through the suffering of “payment shock” after 14 months NACA had me an offer.
I walked in to a closing with $8,500 dollars and walked out with the keys to a $350k home at 3.125% interest for 30 years.
I had the key to my own home.  I drove by myself from the closing and stopped in front of the house.  The overwhelming feeling of joy, appreciation, fear and happiness that I felt was truly a cathartic moment in my life.
I just could not believe that my effort with NACA paid off and to have my dream home after being knocked down so far was the best thing that ever happened to me.
NACA is right….. An owner will be a better citizen, a better neighbor a better human while owning a home!
I will never forget what NACA did for me…….. You guys are truly amazing

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