NACA does not decide if you qualify. Your lender does.
NACA is there to help along with many other FREE assistance companies.
It is wise to go to a nearby HUD counselor to assist you in a reduction of payment.
NACA may be overwhelmed at this point but there is a list and you might want to consider seeing fi there is help in your own back yard. Look for the HUD counselor list you can find it here,.... http://www.socalhomesrealty.net half way down on the right has several helpful links.
I wish you the best.
Harold Sharpe - Broker
So Cal Homes Realty
California Department of Real Estate License # 01312992
The Neighborhood Assistance Corporation of America (NACA) is a grass-roots, organization that was created to help homeowners to stay in their home by restructuring their mortgage..
NACA achieves their goal by working with your lender to obtain a reduced interest rate, and, sometimes, a principal reduction as well. This is a legitimate company that has helped many people. I would suggest you check their website, referenced below. Perhaps they can help you. Good luck..
Maggie Hawk, REALTOR
Watson Realty Corp.