My advice for getting through with NACA is to get what you need to get done and you can accomplish each step. Improvements can be made on their part but at the end of the day its all up to you. What NACA offers is extremely beneficial to low-to-moderate income people. No down payment or closing cost and all you have to do is participate in their mission. I would recommend NACA to those who would not be able to qualify for a conventional mortgage and have time to go through the process.