NACA provides the best home purchase program in America. NACA provides free personalized and comprehensive counseling to all Members to address your particular credit and financial issues and help determine a mortgage payment you can afford. NACAâ€™s counseling and underwriting criteria are â€œcharacter-basedâ€ and not based on credit scores and ratios. This enables us to fulfill our mission of assisting working people who otherwise do not have access to affordable credit. Consequently, the vast majority of NACA Members are low- to moderate-income many of whom have neither perfect credit nor substantial savings.