Doing these 3 things increased My NACA Affordability!

I increased my NACA affordability and you can too!!! NACA is on a mission to make home ownership affordable, however the "Best Mortgage in America" has a major con - the amount they qualify you for (known as NACA Affordability) is often lower than other lenders, even Bank of America's! In this video I share the 3 things I did to increase my NACA Affordability by $1000's!! Come follow my journey to buy my first home using #naca . Let's Live Victoriously! #firsttimehomebuyers #homebuyingtips

// TIME STAMPS
00:00 Background
00:50 NACA Affordability Definition
02:50 Overview of 3 Things
03:10 Details of 3 Things

// S U B S C R I B E
@victoriousvkg
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[datBoondockingdiva]

Great job Vicki 🎉 Love your intro, enthusiasm and the info you shared about NACA. Congrats on increasing your affordabilty from $1700 to $2700 👏🏽 i am right behind you on the "debt free" goal 😊

[newsgirl]

Paid off debt, budget, 2nd income(side hustle).

[movewithladyv]

I got Naca qualified for $1834, which in the DMV (DC, MD, VA) is not much! I'm currently selling on Poshmark and considering RX delivery as well to increase my affordability to $2000 🙂 New Subscriber, keep up the good work!🤩

[africanconversationsandcon]

The Dave Ramsey Plan is the BEST! Strongly suggest everyone to sign up for his Financial Peace University 9 week course

[CleanLuxuryCosmetics]

They do raise the payment standard when you get a multi family unit you plan to rent out which is pretty good.

[lcmm]

Great info. I tried doordash, which was good until my vehicle broke down! I'm reluctant to get another one over concern the new debt may hurt my chances of approval, yet I can't make extra money without it! What's a girl to do?!!🙄

[HeMistreatsStaffEmployee]

NACA is a great program for those that are patient and want to purchase a home. However, the CEO micro manages, refuses to pay staff fairly and does not give them pay increases. I use to work for NACA and still speak to some previous co-workers. Those co-workers have shared they have still not received an increase to their salary which is well below the national average for the position. The underwriting department, (titled Mortgage Specialist) have not had a pay increase in over 6 years not even a cost-of-living adjustment. There is not a bonus program either like there is for the counselors. The staff is over worked and more than under appreciated.

[FocusedSpender]

Great video! Your channel is off to a fantastic start!!

[biancafraise]

Thank you for this video. Paying the full balance off on credit cards every month are considered no debt to NACA? Also one 'cash' side hustle I can suggest is taking surveys for companies. I get paid about $75 for every survey I'm eligible for. They pay in gift cards.

[themusiccorner]

For Side Hustles, now they require that you have the job for at least 1 year before they include it into the calculation.

[alreadyydopelife]

Being that you paid for groceries and gas with cash did NACA not inquire about those things on budget plan ? Or were you allowed to basically put $0 being that it’s not coming from your bank account

[arielmartinez]

I have worked part time for 6 years but am going full time this month . Will they consider my full time income if i never charged jobs

[bubblesondec]

Do you know why they don’t count new income that’s not 2 years old? I have a full time job but just got a per diem job for supplemental income which I plan to use to pay off my debt and add to my savings

[sabrinasanders]

Did you close your accounts or just kept them at zero?

[Mohamedelarabi]

married with 80k income i dont pay rent because i live in miltary base.
i save more then half of my paycheck.
is this help to get approve by Naca ?

[kathlynbarnes]

Did you mean 'they won't count jobs you HAVEN'T had for 2 years'?? Or?

[ihama]

So if you have students loans. You cant get NACA

[HeartOfTheSource]

What if you are disabled and dont see a way clear and will most likely will never pay off the student loan?