NACA / Something seems fishy
My husband and I tried to buy a home using NACA in the Kansas City area. We went through their complicated process for over a year. We finally decided that they were untrustworthy and used a different lender. We have great credit and we were asked to provide all kinds of extra paperwork besides our credit scores to get pre-approved for a loan. We had to watch every penny that we spent from our savings to cover a payment shock. Peoples' costs can vary from month to month especially during tax time so it was annoying. We finally got into a contract for a really great bargain on a house in a great neighborhood. We had the house inspected and were told that several things could be fixed easily by us cheep. Our real estate agent is a carpenter and he was willing to help us with the work. The inspection list was turned into hand and hand sent back a outrageous list of prices to get thing fixed and said that the items all needed to be fixed by licensed workers. We either needed to have the seller of the house get everything fixed or have NACA approved contractors fix everything before we could buy the home. The seller could not afford to fix everything. He was broke. We would have had to pay the outragoues prices that hand quoted to have NACA approved contractors fix everything. We were approved for a loan amount that was much higher than our payment was going to be for this bargain home. We suspect that hand had access to our loan pre-appoval information and they over priced everything to get us to take out a home improvement loan for the extra amount. We did not buy the home. We continued to look for a perfect home with little to fix with in our budget. We had to be approved again and our NACA representative stalled our approval for 2 months. We suspect he spammed our email when we complained about hand because it happen immediately after my husband spoke with him. Our NACA representative did not return calls & cancelled appointments with us sometimes he did not call us to tell us he was cancelling. NACA claimed that there computers and phones were down many many times. They lost files. I don't trust these guys. The guy that started NACA probably meant well but I suspect that there may be a scam going on with HAND.
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