Naca Home Buying [Direct]

No minimum credit score is required; approval is based on 12–24 months of on-time "character-based" payments (rent, utilities, etc.).

Fixed interest rates are typically lower than the market average. Buyers can also "buy down" the rate to near zero (e.g., as low as 0.25%). Eligibility & Membership Requirements NACA Program | Income Requirements 2026 naca home buying

Unlike FHA or low-down-payment conventional loans, there is no Private Mortgage Insurance. No minimum credit score is required; approval is

$0 down payment, $0 closing costs, and $0 lender fees. No minimum credit score is required