Buy a Home Ladies Based on Character

...not credit. If you've been paying close attention to the housing market, your well aware of tax credit extensions for first time and previous home buyers. Purchasing a home is at an all time low, which means practically anyone can experience a slice of the american dream. Not so fast, with less than perfect credit, buying a new home my not be in the near future. Trying to purchase a home myself, I was left overwhelmed and less than worthy due to my credit score- no one would even consider my applications. Once, I even consulted a debt repair agency to improve my score, but the bottom line is I would initially pay out more money to resolve my accounts than needed.

Soon afterwards, I was bombarded with pushy reps insisting their services for over a course of 2 weeks. Debt repair agents continually called my home with harassing scripts, demanding my patronage, nearly forcing services upon me. Unfortunately, for the them I'm not the type that just hang up and forget about it. They soon learned, I too, have a voice with selected adjectives- I choose not to mention. Needless to say, they got the point. Now, that's getting results.

All jokes aside, I had to find a better route of achieving credit worthiness, because clearly my previous choice had me in the wrong lane. My first course of action- asking around, emailing friends, and speaking with fellow members of my church. You'd be surprised with what you find in church (besides spiritual enlightenment) . It's the home front of social networking. Somebody always knows somebody, and if you attend a fairly large congregation, you're bound to find informational treasures. Well, I struck gold! After several emails, a couple in real estate responded with directions to a NACA ( Neighborhood Assistance Corporation of America) workshop.

NACA mission: Provide a revolutionary housing program which keeps predatory lending sharks from taking advantage of potential buyers who desire home ownership. Through empowerment, education, and responsibility, you can successfully complete the program and become a home owner.

As a non-profit community advocate and housing organization, NACA offers the best mortgage with over $10 billion committed to its program. You actually have an option of purchase; existing home-single, multi-family, condo or co-op.

purchase a home needing repairs and refinancing; homeowners with predatory loans.

Once you attend a workshop, you'll be given a booklet with beneficial tools outlining everything needed to be a homeowner.

Eligibility is very simple:

1. be in good standing as a member

2. no member of household can have ownership interest in another property

3. occupy the home as long as you have the mortgage through NACA

4. participate in at least 5 activities ( a way of paying it forward)

The booklet is a blueprint to your homeownership future focusing on debt management, payment history, qualifications and much more. The most interesting aspect, concentrates on affordability. The analysis determines your financial means towards purchasing a home, along with a payment manger to make sure the home your interested in, is one you can afford.

NACA covers an awful lot of information that is easy to follow, leading up to the success in purchasing a new home. The program is a bit much to take all in, but you have eager counselors available to assist you with all your needs. Most of the counselors are NACA members, themselves so their very familiar, as well as knowledgeable about the program. Believe me, this people want you to succeed.

If you would like to learn more or attend a workshop in your area,

call 1-800-302-6222 or visit www.naca.com

There are several locations throughout the US, if one is not near you, ask for more information about starting a workshop to help build your community.