Our NACA story has been very demoralizing! My husband and I were so excited about NACA at first, because we had a family member to purchase through NACA, and they were so happy. So of course we knew this was going to be right for us also. No! I will say when we went to a workshop everyone was friendly and helpful, but the intimidating experiences began once we started having counseling sessions through zoom with our counselor. She was super RUDE, and NASTY. So nasty behaving that on our last zoom, we ended early and decided we would rather pay closing cost than to put up with her poisoned attitude. HORRIBLE!