This is an I-Heart podcast.

Guaranteed Human.

Now you're the spokesperson.

So let's start at the beginning with NACA.

So I at first been introduced to NACA when my sister was actually going through the program

with her late husband at the time.

And there was like a seminar that they had to go through and I was learning I

had never heard about the program before that um they didn't actually go all the way through

with the program which I find a lot of people don't the retention is yeah so a lot of people

have criticized NACA because they like it's a lot that you got to go through it's very

strenuous so what's the first step in the NACA because they like it's a lot that you got to go through it's very strenuous so what's the

first step in the NACA process like you said going to that meeting it's about three or four

hours and that's all over the country right yeah they pretty much break down everything all the

benefits to the program the things that you have to do the rules for the program things you

can't do to the program um and yeah from, you know you sign up and let them know what date you want to meet with a mortgage counselor. It could be up to two years out. It could be up to two weeks out. But you put whatever date when you're comfortable, I tell people all the time, don't go until you're ready. You know what I'm saying? Don't go into you're like all the way ready. Don't go just trying to see what they're going to say and all that like you know I just test the program like no go when you're ready when you know you have your documentation in order. You got your two years work history in order. You got your two years tag history and audio bank statements order like these are things that all lenders require, not just NACA.

So it's like you shouldn't be going to a lender unless you have this stuff in order anyway.

But NACA is just extra strict about their documentation because essentially you're going to these people asking them for hundreds of thousands of dollars for absolutely nothing.

Your credit ain't shit.

You ain't really shit.

Like most of the time, like for real, for real credit ain't shit. You ain't really shit. Like, you know what I'm saying?

Like most of the time, like for real, for real, all the time.

But these people are still willing to give you a chance. Most lenders, when you go to them in that situation, what they're doing. They're closing or doing your face and giving you a decline letter. NACA, they're going to give you a checklist of things to do and tell you to come back when you have those things done.

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