My career at NACA

I must admit; my career with NACA ended much sooner than I would have liked. With sadness and slight regret I submitted a 2 week notice of resignation back on April 7, 2009.

The sales person in me was even more disdained because my pipeline of was just on the verge of bearing more fruit. But I knew the NACA process well enough to know that it may be another 60-90 days before they would all begin to close.

The picture in this post was taken on March 18, 2009. This family is so deserving of what they achieved in homeownership. They have an interest rate of below 2% fixed for 30yrs. They worked so hard to get through the process and I was blessed to be able to be apart of their achievement. They were the 1st NACA Members to close a loan in Nashville, Tennessee!

The day before my last day of work; I was humbled when I received an offer to function as the Office Manager for the Nashville office. The position came with the same hours that I'd been working but it had also a modest salary...no more draw/commission. I was thrilled to be able to continue doing that that I loved AND feed my family. That all happened on a Monday.

On Friday, I followed up to receive the correspondence detailing the offer and learned that the terms offered on Monday were no longer going to be provided.

I was very hurt, disappointed and upset.

All things aside, we had 40+ members registered to attend a Homebuyer Workshop the following day at the Word of Life Christian Center. The NACA workshop was the highlight of my employment. I absolutely loved being able to educate people in a fun and straigtforward way.

On Monday, I received a call from the State of Tennessee confirming that the offer they presented previously was still valid and to begin the process immediately of getting fingerprinted/background check etc. After getting that phone call; I packed up my office and left NACA.

My only regret is that I did not stop and give each of my members a personal phone call to say, "goodbye." So it is with this post that I am attempting some form of redemption in that area.

So, to each and every one of the families that I had the privilege of working with:

"Thank you. Thank you for the opportunity to work with you towards your homeownership goals. I apologize that I did not reach out to you individually to say goodbye and transistion accordingly, but I hope you understand that I made the best decision for me and my family at the time. Stick with the NACA process, no matter how daunting it may seem. It is the absolute best program available for homeowners with unaffordable mortgages as well as future buyers. I am always available to you. Please feel free to reach me at anytime. My email address is Monica.Wilson09@comcast.net. God Bless and take care."

When you are called to do something, nothing can stop you but yourself.

Real Estate is my calling. I don't know why...but I can't seem to stray too far. I am already counseling my new co-workers at the State in their pursuit of homeownership. In the near future I will re-join my fellow realtors in the Nashville community and continue to assist those seeking homeownership.

Stay in touch.

Sincerely,

Monica Wilson

ACCOUNTABILITY CAMPAIGN
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!

YOUR NACA PURCHASE APPOINTMENT

YOUR

NACA
APPOINTMENT

THE FOLLOWING ITEMS MUST BE COMPLETED PRIOR TO SCHEDULING YOUR NACA APPOINTMENT. DEMAND FOR NACA’S SERVICES IS VERY HIGH AND REQUIRES THAT UNPREPARED APPOINTMENTS BE RESCHEDULED FOR THOSE THAT ARE TRULY READY TO PURSUE HOMEOWNERSHIP.

1. 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.


2. 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


3. 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.
   
   
   PLEASE NOTE
   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.


4. Scroll down to Step # 2 –Information Submission
   There are 4 categories that MUST be completed prior to your appointment
   
   BUDGET INFO
   EMPLOYER INFO
   LANDLORD INFO
   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.


5. 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


6. 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


7. 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’


8. SKIP DOWN TO STEP #5
   
   GATHER DOCUMENTS:
   
   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.


9. GO TO STEP #6
   
   PRINT OUT YOUR NACA FAX COVER SHEET
   CLICK ON
   “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
   888-297-5568 #2
   8:30A-5:30P EST
   M-F
   
   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
   MONICA WILSON
   615-783-1696
   
   OR EMAIL (BEST)
   
   MONICAWILSON@NACA.COM

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
MONDAY-FRIDAY
8:30AM-6:30PM

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

YES NACA CAN....QUALIFY YOU FOR AMERICA'S BEST MORTGAGE!!!

It has been a while since my last post. NACA Nashville has been busy assisting its 562 members and we are growing monthly. NACA Nashville is refocused and committed to helping individuals buy a home in this awesome buyer's market. Homeowner's seeking HOME SAVE Assistance are not being forgotten. We are still assisting Homeowner's with unaffordable mortgages via our HOME SAVE CALL CENTER.

Our very 1st Purchase loan was qualified last week for our Maximum Purchase Price of $226,100. Their monthly payment will be around $1500 and it took them about 3 months to get qualified. Our 2nd Purchase loan was qualified this week and 3 more members should be receiving their qualification letters next week! Dozens more as slated to qualify in the upcoming months. Are you on track for qualificaiton?

IT IS AN EXCITING TIME FOR NACA NASHVILLE !!

If you think that you can not qualify for a home....THINK AGAIN! All it takes is the right direction and possibly a little time. You could be holding the keys to your own home before the year is through. DON'T LET IT PASS YOU BY!

YOU MUST REGISTER FOR AND ATTEND A NACA WORKSHOP IN ORDER TO RECEIVE AN APPOINTMENT.

OUR NEXT WORKSHOP IS SATURDAY 01/31/2009 10:00AM -2:00PM CST

YOU MUST ATTEND THE ENTIRE WORKSHOP TO RECEIVE CREDIT

REGISTRATION IS CUT-OFF 20 minutes after start time

AT WORD OF LIFE CHRISTIAN CENTER INTERNATIONAL,

4100 CLARKSVILLE PIKE

REGISTRATION CAN BE DONE ONLINE AT http://www.naca.com/

OR BY CALLING

888-302-6222 THEN OPTION #3

NACA FACTS

• 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!!!

NACA EVENING COMBINATION WORKSHOP

THE IVY CENTER OF NASHVILLE
IN PARTNERSHIP WITH
NACA NASHVILLE

ANNOUNCE:

COMBINATION WORKSHOP
HOMEBUYER & HOMESAVE

THURSDAY, DECEMBER 4, 2008
FROM 6:00-10:00PM


REGISTRATION IS REQUIRED

BY PHONE : 1-888-302-6222
BY WEB: WWW.NACA.COM

CLARKSVILLE WORKSHOP - HOME SAVE

ATTN: HOMEOWNERS WITH UNAFFORDABLE MORTGAGES

A HOME SAVE WORKSHOP WILL BE HELD @

LOCATION: THE CLARKSVILLE PUBLIC LIBRARY

DATE: SATURDAY, NOVEMBER 15, 2008

TIME: 9:00AM - 11:45AM

REGISTER ONLINE AT WWW.NACA.COM

Please 'search' this page for "Home Save" for more information

Happy Holidays

NACA MEMBERS,

YOU ARE CORDIALLY INVITED TO NACA NASHVILLE'S 1ST ANNUAL MEMBER RECEPTION.

Location : Coleman Community Center, 384 Thompson Lane, Nashville, TN. 37211

Date: Thursday, December 11th Time: 5:00pm - 8:00pm

R.S.V.P BY NOVEMBER 30, 2008

615-783-1696

***REFRESHMENTS WILL BE SERVED***

**DOOR PRIZES**

**BRING THE KIDS**

**BRING A GUEST**