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NACA – America’s Best Mortgage Program
The incredible NACA mortgage allows NACA Members to purchase their homes with:
- No down payment,
- No closing costs,
- No fees,
- No requirement for perfect credit,
- And at a below-market interest rate.
Everyone gets the same incredible terms, including the below-market interest rate, regardless of their credit score or other factors. NACA also provides free, comprehensive housing services. NACA counsels Members into the extraordinary NACA mortgage using character-based lending criteria that takes each Member’s circumstances into account to determine whether they are ready for homeownership and what they can afford. This is in contrast to risk-based pricing where people are often given loans they cannot afford while brokers and others make tremendous fees and profits.
Local Government Assistance
The Georgia Department of Community Affairs (DCA) has been an advocate for our state’s communities since its creation in 1977. In 1996, the Governor and General Assembly merged the Georgia Housing and Finance Authority (GHFA) into DCA, and the job of providing safe and affordable housing became part of the agency’s mission. For four decades, DCA has helped communities spur private job creation, implement comprehensive plans, develop downtowns, generate affordable housing solutions and promote volunteerism.
By the numbers, DCA…
…is a state agency with 425 employees.
…runs 65 programs.
…has 12 regional representatives aligned with Georgia’s Regional Commissions.
…manages more than $350 million in state and federal funding each year.