If I could give negative zero stars I would. Naca has been the WORST home buying experience of my life. I would NEVER promote or referral this company to anyone not even my enemy. Also Bank of America too. You can never get any to call you backs about your account. Counselors steady leaving and understand that, and workload is placed on someone. I got to the finished line. Right when my renting lease was ending 5/31/24. I was suppose to close 5/28/24, come to find out the appraiser procrastinated and when to appraise the property on 5/28/24. Submit the report or shall I say we had to beg for the report on 6/5/24 although it shows it was completed on 6/3/24. Then given closing date 6/7/24. Then NACA ask for Verification of employment from my PRN Job and it was sent 6/6/24 email to everyone. So then closing date changed to 6/14/24. Let just say my kids and I was homeless. Had to put what we did have into Public Storage. I already ordered our new furniture and appliances, and switched the delivery dates so much the warehouse charging me fees to store items there. So come 6/13/24 I get a notification of where I needed to go or time. I had to do all the calling and emailing leaving multiple voicemails to varies of people to see what was going on. Find out the employment of verification the lender “claimed “ they didn’t receive so I personally sent it AGAIN including everyone on it, because I sent right after my employer sent it because “just in case” this would happened and it did. Therefore it was shows the it was originally sent on the 6/6/24, everyone saw it but the lender 🙄. Now here I am today 6/17/24 still no house. My kids and I rode around all weekend in and out of stores just to beat the heat because we’re HOMELESS. If I would’ve known I wasn’t g closing on the 5/28, 6/7, 6/14 I could’ve renewed my lease and broke it after closing. You would think NACA or Bank Of American cared of the hell they’ve put me and my children through since it state as their motto “Home of Americas Best Mortgage” obviously not. I did rent an Airbnb for the first weeks but those are expensive like hotels in which ran me more then the rent I was paying $1380/mo, and yet I still haven’t closed. I’m missing work due to the fact I have nowhere for my children to go while I work, or no where to laid our heads since we checked out the Airbnb on 6/14/24 @ 10am. Bank manager said it’s going to take another week for them to reprocess my account with the under writers due to the fact they factor in an “As need” job into my income causing me to be NOT qualified for principle mortgage reduction. My first home I purchased through USDA didn’t required this much paperwork and they let you know everything up front of what you would need. Process took about six month from start to finish I mean application to building your new home. I was told by a coworker to try this NACA program out they’re great 😂. With NACA it’s taking me almost 3 years and I’m still waiting. I stressed so much until I have blood pressure and continuous migraines. I’ve tried to be strong and hold it together for my children and not let them see me break down and failing them as a mother I’m not being able to provider a place for them to stay. How can you not let them. M children sense my hurt, and I continuously apologize from being a failure to them. All I want to do to is start over with a one level home due to the fact I injuried my ankle and could not do the stairs anymore. You would think someone will speed the process up due to special circumstances but I guess not because they sleep comfortably at night in theirs bed at home. I hope this reach Bruce Marks. Sorry to say. I wish I never dealt with this program. My 6 thousand earnest money I put down on is the verge of being lost because Mungo trying to terminate the building agreement bevy of NACa/Bank of America. I went the process of building this house to my family liking. Who can refund my money since it wasn’t my fault? I need help, guidance, and answers. Horrible!!! 😤🤬 I just want my earnest money back. That should be refunded by NACA