Getting my NACA Appointment

Day 52 on my way to home ownership.

I have been trying to contact NACA to schedule an appointment, but am having no luck.

On May 10 --- 10 days ago --- I requested an appointment on the NACA website. Online there wasn't any available appointments for the next month so I filled out the form to be contacted to schedule an appointment.

After 10 days of waiting to hear back from someone, I am starting to feel frustrated.

I went to my member profile online and "Click here to send an email to your Servicer. Be as detailed as possible." and posted the following note today (5/20/10)

I am trying to get an apt with a counselor but haven't heard anything. I have submitted all my documents (except budget) which i am finishing up this weekend. Can someone please call me? I am really ready to get this appointment and begin the process.

I call Meg Wiggins (my friend who had recommended me to NACA and completed the program) to ask her what she recommends as a best way to get the appointment scheduled. She said to call the DC office and schedule an appointment.

I then set about calling NACA and after 30 minutes or so I got a real live person on the Phone who worked with me to set an appointment. The first available appointment unfortunately isn't until July 8, 2010. 49 days from now....

Getting ready for my NACA appointment

Yesterday and today I have been faxing all the material I think NACA will want in anticipation of my appointment that I am trying to schedule. I have sent 10 faxes totaling 107 pages. I am using myfax.com which lets me fax pdfs to the fax number (877)329-6222 given to me by NACA.

Using myfax.com I know that all the pages are sent and none get stuck together in the fax machine. Also, I have confirmation report from Myfax.com that the pages are sent and I check in my Member Area on NACA and can confirm that the same number of pages is received, which thank god, they say they received them.

In order to keep track of what I have sent to NACA I have build a spreadsheet. Below is the summary list of what I have sent. It starts with the date, number of pages, and a short description of what I sent.

1. 5/12/2010 21 JB - Bank account statements (4 months) January to April
2. 5/12/2010 19 KL - Banking account statement (4 months) January to April
3. 5/12/2010 5 JB &KL combined Credit Union account (2 months) March and April
4. 5/12/2010 6 JB - Payroll Stubs (5 months) Dec-April
5. 5/12/2010 11 JB- Documents showing debt reduction over 2009 - copies of student loan bill with payment until paid off.
6. 5/13/2010 19 JB & KL - Most recent credit card statements for our 6 credit cards held with Chase, US Bank, Bank of America and Citibank
7. 5/13/2010 9 Current landlord and rental history, list of rent transactions for last 12 months, transaction details for rent paid Jan-May 2010.
8. 5/13/2010 9 Transaction details for Rent paid May-December 2009
9. 5/13/2010 5 KL - 4 most recent payroll stubs reflecing last 8 weeks of work.
10. 5/13/2010 3 JB - W2s for 2008 and 2009

NACA Workshop Graduation

Day 42 on my way to home ownership.

Today we received the following email from NACA

From: memberservices@nacalynx.com
To: [removed personal information]
Subject: NACA Workshop Graduation - Next Steps
Date: Mon, 10 May 2010 12:04:01 -0400

Congratulations on attending the NACA workshop and completing the first step to homeownership or to save your home. Please complete the *workshop evaluation. Your input is very important in ensuring that NACA can most effectively assist you and provide the best membership services, so please be very honest.

While the next step is to meet with your Mortgage Consultant, you can quickly proceed through the NACA process by completing the following through NACA’s website. The information and documents you submit will be received by your Mortgage Consultant who will process your information.

Go to the NACA website at *www.naca.com select the Member section (on the top right of the home page) to complete the below. To log-in and complete the following you will need your Member I.D (removed personal information), your social security number (or Tax ID Number), and your e-mail address.

*Membership - Sign your Membership Agreement and Authorization on line.
*Budget – Complete your budget identifying your income, debt payments and regular expenses. Include your desired mortgage payment based on the anticipated housing price. You need to be as detailed and accurate as possible.
*Employer – Input the information on your employers for at least the past two years, the more years the better to show income stability.
*Landlord – Input your landlords for at least the past two years.
*Bank Accounts – Input information on all of your bank accounts. Click “Submit” after each account until all accounts have been entered.
Use your personalized fax cover sheet to fax your Mortgage Consultant the below documents. You can access your *fax cover sheet by email or on NACA’s website.
Paystubs – last 30 days
Bank Statements – last three months for all of your accounts (you may need to convert document to single sided to fax)
W-2 – for all employers for 2008 and 2009
Latest mortgage statement for all loans
If you have any concerns, comments or complaints about any NACA services go to the *Feedback/Complaints. We look forward to your successful purchase or homeownership assistance through NACA and your long-term Membership.

Sincerely,

Bruce Marks
CEO

P.S. Welcome to NACA's best in America homeownership program.

* Clickable link to input your information on NACA's website
------------------------------------------------------------------------------------------- This email is the property of NACA and/or its relevant affiliate and may contain confidential and privileged material for the sole use of the intended recipient(s). Any review, use, distribution, or disclosure by others is strictly prohibited. If you are not the intended recipient (or authorized to receive for the recipient), please contact the sender and delete all copies of the message. Any views expressed in this message are those of the individual sender, except where the sender specifies, and with authority, states them to be the views of NACA.

I am so excited, I logged into the website and signed the NACA membership Authorization and membership agreement online. I also made our first "Member Payment" of $20 per household.

Attending my first NACA Workshop

Day 40 on my way to home ownership.

Kevin and I attended the NACA workshop this morning. We arrived a few minutes early and got a seat in the middle of the audience. The room was huge. I'll bet there were at least 150-200 people in the audience. It is impressive that they are able to get so many people there so early on a Saturday morning.

The main presenter, Amber, didn't smile much, but she laid out the program in a straight forward manner. I got the impression from her that if you do everything your NACA counselor asks of you, your dream will come true.

The guy who shared his experience about becoming a homeowner wasn't very interesting. He did seem happy about having a home though.

The Real Estate Agent who spoke seemed very nice. A pretty black woman in her late thirties (I am never good with age). She made me feel very excited to start looking for my home.

Listening to the presentation, I couldn't help but think I am ready now! I can do everything they ask for. This is so exciting. I can go in their office next week and give them everything they want and then we'll be approved.

Kevin and I left that session feeling very optimistic and excited about going forward with the NACA program.