Friday, May 15, 2009
Wednesday, January 28, 2009
Executives of financial institutions have amassed huge fortunes on the backs of hardworking American families. While living in their many luxurious homes, they have refused to restructure mortgages that would allow families to stay in their homes. We need to make them accountable for their actions. Join the fight.
While NACA has agreements with many lenders to make your mortgage affordable, the below executives refused.
Visit the NACA Home Page at: https://www.naca.com/index_main.jsp
See how the Bank and Lender/Servicer CEO's live LAVISHLY in their many homes while homeowner's struggle to make monthly payment on the only home they know!
It is absolutely critical, whether you are directly impacted by this mortgage crisis or not, to let your voice be heard. Visit the link provided above. If you have a mortgage with one of the lenders listed, let them know that you want them to assist homeowners that have an unaffordable mortgage. BE SPECIFIC IN YOUR REQUEST. Let them know that NACA is assisting thousands of homeowner's restructure their mortgages with WIN-WIN solutions for all involved. That at the end of the day - A NACA HOME SAVE Solution (mortgage restructure) is just the RIGHT THING TO DO!
Saturday, January 24, 2009
- Go To: http://www.naca.com/
Have someone assist you with this process if you are not computer savvy. The library is a great place to access a computer if you do not own one of your own.
- Click on: Purchase Program
You can access the Purchase Program by clicking on the rectangular shaped button to the right and center of the NACA Home Page
You can also access the Purchase Program page by clicking on ‘Purchase’ in the red toolbar area across the top of the NACA home page. It will be in Yellow letters. You will then select ‘Steps to Home’ from the drop down box
- Click on: Existing Members Click Here
A box will pop up requesting your NACA ID and password.
If you have forgotten or misplaced your password, click on the button that says ‘email me my password’ Be sure to use the same email address you provided to us at the workshop.
Enter your 6 digit NACA ID and Temporary Password.
Your NACA ID was sent to the email provided at the workshop you attended.
If you have not received your NACA ID and it has been more than 1 week since you attended a workshop. Please check your email spam or junk mail folder. If you are unable to locate your NACA ID and Temporary Password, contact the office and leave a detailed message.
If you request that a new password be sent to you, you will need to pause and go check your email to retrieve it. Once you have it, you will need to go back to www.NACA.com and click on Purchase Program. Then click on ‘Existing Members’. Enter your NACA ID and new password. Then you will be prompted to click on ‘Existing Members’ a 2nd time and re-enter your NACA ID a 2nd time. Then you will need to input the password that was just emailed to you. Click Login. You are now logged in on the Purchase Program Page.
- Scroll down to Step # 2 –Information Submission
There are 4 categories that MUST be completed prior to your appointment
ALL YELLOW FIELDS MUS T BE COMPLETED. DO NOT LEAVE A YELLOW FIELD BLANK. INPUT THE NUMBER ‘ZERO’ (0) IF APPLICABLE.
READ THE DIRECTIONS FOR EACH SECTION CAREFULLY.
TYPE IN ALL CAPS.
WHEN ENTERING EMPLOYER INFO 5 YEARS OF EMPLOYMENT HISTORY IS BEST BUT ONLY 2 YEARS REQUIRED. YOU SHOULD ENTER AN EMPLOYER FOR EACH W2 YOU WILL BE PROVIDING. PLEASE ENTER ALL FIELDS COMPLETELY AND ACCURATELY. CLICK ON SUBMIT TO ADD ADDITIONAL EMPLOYER INFORMATION.
WHEN ENTERING LANDLORD INFORMATION – ENTER ACCURATE AND COMPLETE INFORMATION FOR THE LAST 24 MONTHS.
- CONTACT NACA'S IT DEPARTMENT M-F 8:30A-5:30P EST IF YOU EXPERIENCE DIFFICULTIES ON NACA'S WEBSITE: 1-888-297-5568 #2
- SCHEDULE YOUR APPOINTMENT
GO TO STEP # 3 AND CLICK ON “CLICK HERE FOR YOUR APPOINTMENT” MAKE A NOTE OF THE ‘APPOINTMENT WITH’ FIELD IMMEDIATELY ABOVE THE RED BAR... CONTACT THE COUNSELOR TO CONFIRM YOUR APPOINTMENT.
PHONE COUNSELING APPOINTMENTS ARE NOT AVAILABLE FOR PURCHASE PROGRAM
- COMPLETE STEP #4
SIGN YOUR MEMBERSHIP AGREEMENT & AUTHORIZATION ELECTRONICALLY
PAY ANNUAL MEMBERSHIP DUES $20/Household AND $10 Credit Report Fee
(married couples are charged $10 for a joint credit report all others are charged $10/per applicant)
USE YOUR 6 DIGIT NACA ID AND THE PASSWORD CREATED TO SIGN THESE DOCUMENTS ELECTRONICALLY. BE SURE TO CHECK THE BOX ‘I AGREE TO NACA TERMS’ THEN CLICK ON THE BUTTON THAT READS ‘SIGN ELECTRONICALLY’
- SKIP DOWN TO STEP #5
BE SURE THAT YOUR DOCUMENTS ARE LEGIBLE.
ILLEGIBLE DOCUMENTS PROLONG APPROVAL.
2 YEARS MOST RECENT TAX RETURNS
ALL W2’S FOR THE SAME TIME FRAME
90 DAYS OF THE MOST RECENT BANK STATEMENTS FOR ALL ACCOUNTS – REGARDLESS OF BALANCE OR STATUS. TRANSACTION SUMMARIES AND ACCOUNT PRINTOUTS NOT ACCEPTED
30 DAYS OF THE MOST RECENT INCOME (PAYSTUBS/SSI/DIS etc.) –IF SELF EMPLOYED 12 MONTHS OF BANK STATEMENTS
VOTER’S REGISTRATION CARD
PHOTO ID (DRIVER’S LICENSE)
IF YOU DO NOT HAVE YOUR TAX RETURNS, YOU MUST ORDER A TRANSCRIPT OF YOUR TAXES FROM THE IRS. THEIR NUMBER IS 800-829-1040. THEY CAN FAX THIS INFORMATION TO YOU ONLY IF YOU THE TAXPAYER WILL PHYSICALLY BE A THE FAX TO LOCATION. THE OTHER OPTION IS TO HAVE THEM MAILED. EXPECT A 7-10 DAY TIME FRAME FOR RECEIPT.
IF YOU ARE MISSING YOUR W2 FORMS. CONTACT YOUR EMPLOYER’S HUMAN RESOURCES DEPARTMENT. IF THIS IS NOT POSSIBLE CONTACT THE IRS FOR A COPY. THEY MAY CHARGE A FEE... IF YOU DO NOT HAVE A BANK ACCOUNT YOU CAN’T PROVIDE BANK STATEMENTS.
IF YOU DO NOT HAVE A VOTER’S REGISTRATION CARD, WE WILL COMPLETE A FORM DURING YOUR APPOINTMENT TO HAVE ONE SENT TO YOU.
- GO TO STEP #6
PRINT OUT YOUR NACA FAX COVER SHEET
“PRINT FAX COVER SHEET.”
USE THIS COVER SHEET ANYTIME YOU FAX DOCUMENTS TO NACA. THE DOCUMENTS ARE SENT TO A SECURE FAX SERVER AND PLACED DIRECTLY INTO YOUR FILE. AN EMAIL NOTIFICATION IS SENT TO YOUR COUNSELOR ANYTIME A NEW ITEM HAS BEEN SUBMITTED TO YOUR FILE.
CONTACT NACA IT IF YOU HAVE ANY DIFFICULTIES
IF YOU DO NOT HAVE THE ABILITY TO PRINT YOUR NACA COVER SHEET, BRING YOUR DOCUMENTS WITH YOU TO YOUR INITIAL APPOINTMENT. YOU WILL RECEIVE COPIES OF YOUR NACA FAX COVER SHEET AT YOUR APPOINTMENT.
CALL YOUR COUNSELOR TO CONFIRM YOUR APPOINTMENT AND ENSURE ALL DOCUMENTS ARRIVED SUCCESSFULLY
OR EMAIL (BEST)
BECAUSE I SEE 5-7 APPOINTMENTS DAILY, YOU WILL MOST LIKELY GET MY VOICEMAIL... LEAVE ONE (1) MESSAGE REQUESTING TO CONFIRM APPT AND DOC RECEIPT.
ARRIVE ON TIME FOR YOUR APPOINTMENT
YOU ARE ALOTTED 1.5 HOURS FOR YOUR INITIAL INTAKE APPOINTMENT. PLEASE DO NOT ATTEMPT TO SCHEDULE YOUR APPOINTMENT ON YOUR LUNCH HOUR... IF YOU ARE RUNNING LATE, PLEASE CALL TO LET YOUR COUNSELOR KNOW, YOU ARE WELCOME TO STILL ARRIVE FOR THE REMAINDER OF YOUR APPOINTMENT TIME.
KINDLY PROVIDE 24 HOURS NOTICE IF YOU NEED TO RESCHEDULE YOUR APPOINTMENT.
OFFICE HOURS AND LOCATION INFORMATION
EARLIEST APPOINTMENT =8:45AM
LATEST APPOINTMENT =5:00PM
BLUE CROSS BLUE SHIELD BUILDING
(BETWEEN OUTBACK STEAKHOUSE AND MAGGIANO’S ITALIAN RESTAURANT)
3200 WEST END AVENUE, SUITE 500
NASHVILLE, TN. 37203
PARKING IS FREE
SIGN-IN AT SECURITY GUARD DESK IS REQUIRED
- NACA is a CHARACTER BASED lender NOT CREDIT BASED....your CREDIT SCORE DOESN'T MATTER WITH NACA!
- THERE IS NO MAXIMUM OR MINIMUM INCOME REQUIREMENT
- INCOME CAN BE FROM TRADITIONAL EMPLOYMENT, SSI, DISABILITY, SELF-EMPLOYMENT ETC.
- THE MAXIMUM PURCHASE PRICE IN THIS REGION IS $226,100
- THERE IS NO DOWN PAYMENT OR CLOSING COSTS NACA FINANCES 100%
- IT TAKES MOST PEOPLE APPROX. 3-6 MONTHS TO GET QUALIFIED
- YOU CAN BUY A FORECLOSURE AND FINANCE THE REPAIRS
- YOU CAN BUY YOUR INTEREST RATE DOWN BY 0.25% WITH 1% OF THE PURCHASE PRICE
- CHAPTER 7 FILERS WELCOME TO APPLY...YOU CAN QUALIFY 24 MTHS AFTER DISCHARGE
- CHAPTER 13 FILERS WELCOME TO APPLY...YOU CAN QUALIFY ON THE DATE OF DISCHARGE
- PREVIOUS OR CURRENT HOMEOWNERS ARE WELCOME - MUST HAVE 24 MONTHS OF ON TIME MORTGAGE PAYMENTS AND MUST SELL YOUR HOME PRIOR TO CLOSING ON THE NACA MORTGAGE FOR YOUR NEW HOME
- NEW CONSTRUCTION, MULTI-FAMILY, CONDOS, TOWNHOMES, CO-OPS ALL ELIGIBLE
- NACA IS FOR EVERYONE, NOT JUST FOR 1ST TIME HOMEOWNERS!!!