Hey! I work here, and let me just say; the process depends on YOU! I've had members go thorugh the process in one month, and some within a year. This was a good video; just remember what is for one member, may not be the same for another. We are COUNSELING based, so we take our time to ensure you are ready for a home, especially because of our targeted audience. But again, great video! 💕 Btw: NACA is available in everywhere/all 50 states. The MSA status will change on what you can buy, just to clarify for you.
@JazzyMac
2 жыл бұрын
Heyyyy Lorraine! 🤗I love that NACA is counseling based as it allows for a more educational process that’s consumer friendly. And thank you for keeping me honest about where NACA is available! Can u speak to the MSA status more and educate me? That part was a little confusing for me. Does the priority area boil down to median income? Thanks for helping our community! God bless sis! ❤️
@_jaishai_
2 жыл бұрын
@@JazzyMac no problem 😊 and as for the MSA, non-priority members are those who make more than 100% of the MSA for a given area, priority members are those who make less than 100% of the MSA for a given area, and targeted members are those who make less than 80% of the MSA. The idea here is to create communities where there are none. So usually, we *encourage* those who have high incomes to purchase within lower MSA's (to INCREASE housing stability for that area), and those who have lower incomes to purchase wherever (to BUILD housing stability for any area). We also have Qualification Workbooks online, at naca.com, that help explain even better!
@renear89
2 жыл бұрын
Do you have to be on your job a certain amount of time?
@_jaishai_
2 жыл бұрын
@@renear89 no ma'am. as long as you have 24 consecutive months of employment history, with no gaps larger than 30 days, you are good to go!
@adonieeastman4123
2 жыл бұрын
Ok
@DrDarnitaLPayden
2 жыл бұрын
Aww congratulations on the new baby and praying all the best for you and your family!!
@JazzyMac
2 жыл бұрын
Thank you so much Dr. Payden! It’s been a beautiful journey and is the gift that keeps on giving 😊
@DrDarnitaLPayden
2 жыл бұрын
@@JazzyMac Babies are such a blessing and joy!! If you’re sharing publicly, boy or girl??
@JazzyMac
2 жыл бұрын
@@DrDarnitaLPayden it’s a baby boy! 😊
@DrDarnitaLPayden
2 жыл бұрын
@@JazzyMac Aww, a 👶🏽 boy!!☺️
@ashtonjustinn
2 жыл бұрын
Jazzy always dropping a gem. I literally just came across your youtube like a month ago and I watched your credit repair video like 3 times before purchasing your template
@JazzyMac
2 жыл бұрын
Omg yes! Have you sent your letters off yet? Any questions I can help answer?
@ashtonjustinn
2 жыл бұрын
@@JazzyMac actually yes I did a few days afterwards. I am now watching your mortgage videos so I can plan for the future lol.
@JazzyMac
2 жыл бұрын
@@ashtonjustinn yayy! So we should have some results very soon! Just remember, it may take a couple rounds so don’t be discouraged if anything comes back “verified” the first time. The CreditRoadmap is a great resource!
@ashtonjustinn
2 жыл бұрын
@@JazzyMac yes ma’am I am excited and this a great time because I am starting a business. I will continue to watch and support your channel. #BlackGirlsRock
@diamondstarr4736
2 жыл бұрын
Thank you for this information…the rent prices are ridiculous now to where people might as well own a home. I signed up for the next webinar in my area. If it takes up to a year to achieve having a NACA mortgage then I’m willing to put in the time and work.
@JazzyMac
2 жыл бұрын
Yes! I’m seeing peoples rent get raise 5 and 600 dollars overnight! Crazy. I’m so glad you signed up for the webinar! I think the benefits will outweigh everything else in their program. It’s worth the time investment 😇 let me know how it goes for you!
@deedotson1
2 жыл бұрын
I went through the naca process and it's very arduous process but it's definitely worth it especially if your credit is already good and you have money to pay down the interest rate.
@JazzyMac
2 жыл бұрын
Yes!! People be sleeping on NACA and it’s really a gem 💎 it’s just not for the faint of heart.
@jpretty2u
4 ай бұрын
I always love your videos. I am currently in the process of going through the NACA program. And yes, I will say it is definitely a lengthy process. But, I think it is worth the wait. I was a little skeptical on whether or not I should just go through the program or get a loan on my own since my credit is in the 800s. However, NACA definitely offers a lot of incentives and I’m excited to start this journey 😊
@JazzyMac
4 ай бұрын
Hey! My family member went thru NACA and said it’s worth the wait!
@ealex3565
2 жыл бұрын
it works for me with them giving me time to go through a process to learn how to budget and how to become a home owner instead of rushing into a home.
@JazzyMac
2 жыл бұрын
Oh you did NACA?! Nice! I think they have a wonderful way of easing you into the process! :)
@carlyngiden9362
2 жыл бұрын
Wow I'm just now starting looking for a home and applied for the fha loan and I combined NACA 2
@JazzyMac
2 жыл бұрын
Oh nice! I didn’t know you could combine them. How’s that process been going?!
@VeroLoui
2 жыл бұрын
Congratulations! What are the benefits of that!
@largeroomnolight
2 жыл бұрын
Wow!!! Congratulations 🎉 That’s great. I’m looking to combine a grant with my NACA qualification. Hopefully I can find one that I qualify for
@user-bk8of8mo1n
2 жыл бұрын
You are such a blessing 🙏🏾❤️. Love your content!
@JazzyMac
2 жыл бұрын
Aww thank you, J! Y’all are the real blessing for just watching and supporting the channel! ❤️
@TylorPorter
Жыл бұрын
Really Great Video! Thanks For The Breakdown 🎉
@JazzyMac
Жыл бұрын
Glad it was helpful!
@movewithladyv818
Жыл бұрын
Very good information!
@JazzyMac
Жыл бұрын
Glad it was helpful!💛💛💛
@carolh3678
2 жыл бұрын
Thank you so much for this! I've been stalking your youtube for a few days. :) Can't wait to start the process next Saturday to see if this will work for me.
@JazzyMac
2 жыл бұрын
Hey Carol!! 😊So sorry this took longer than I’d promised 😭 I had a busy weekend! I’m so freaking excited for you! Is next Saturday gonna be when you do the workshop!?! 😀 fingers crossed for you!
@carolh3678
2 жыл бұрын
@@JazzyMac No problem at all! Yes, I am doing the first step. It's a 4 hour long workshop.
@JazzyMac
2 жыл бұрын
@@carolh3678 that is so exciting! 😏☺️☺️ you’ll know for sure if you qualify once it’s over! Please let me know how it goes. I’m really interested in your experience with it 😊
@miydiaz1130
2 жыл бұрын
I did the workshop in August and I have my first appointment in January
@Sweetlady888
2 жыл бұрын
I start the workshop next Saturday. I hope that it went well for you. 🙏🏽 Keep us updated, please?
@Musicescape17
2 жыл бұрын
I wish I had seen your videos months ago, specifically this one! I just agreed to stay another 12 months in this apartment cause I didn’t know any programs to buy a home. I will start now in hopes of being ready when my lease is up.
@JazzyMac
2 жыл бұрын
Yes!! That’s what I love to hear! Everything happens in God’s perfect timing ❤️❤️
@VeroLoui
2 жыл бұрын
This is such good advice! Thank you!
@JazzyMac
2 жыл бұрын
You are so deserving Queen! Anytime! ❤️❤️
@lorinwaro545
2 жыл бұрын
Thank you once again for sharing. Good information.
@JazzyMac
2 жыл бұрын
You’re welcome! 😊
@eneelythebest
2 жыл бұрын
Great information. Thank you I didn’t see the information in the description box
@JazzyMac
2 жыл бұрын
It’s there! At the the very top of the description box above the comments section.
@4tamy4
2 жыл бұрын
I've been working on my credit for a year+ score up to 677. I have boyfriend his is fairly new & is up to 686. We have been saving for a house. So far $15,000. Would we be eligible for NACA?
@JazzyMac
2 жыл бұрын
Hey! You’ve done an amazing job. With those credit scores you’d definitely qualify for a conventional loan and I’m pretty sure NACA as well. As long as you are patient and have your paperwork in order, you will be very prosperous in the NACA process ❤️
@heartnsolutionsguide9945
2 жыл бұрын
What area are you in ? You can get an fha your good I’m a realtor I can help you
@livingofftheland626
2 жыл бұрын
Make sure it's in your name if it's a boyfriend cause he could slide and leave u wit da bill playing house can cost u
@lec.624
Жыл бұрын
I must inform you, Naca has a program called keep my home
@JazzyMac
Жыл бұрын
Haven’t heard of that yet! 🥰
@kennethbobo5461
Жыл бұрын
What is PMI
@Thisguyecm
2 жыл бұрын
Hey Jazzy, I have a question. I’m sure you may have heard that Navient is not going to be the company handling student loans anymore, it’ll be something else however is there anyway that I could dispute this when the change does occur to have it removed off my credit? This will be the third company that has taken over my student loans.
@JazzyMac
2 жыл бұрын
Hey Eden! My dispute method isn’t ideal for student loans. And to my knowledge, them changing services isn’t really abnormal (such as the school closing or misappropriation of funds). So im not sure how that’d work out. Totally up to you if you want to dispute it but I can’t say that will work 😣
@kingwilliam1964
2 жыл бұрын
Congrats on the baby!
@JazzyMac
2 жыл бұрын
Omg thank you William! 😊
@kingwilliam1964
2 жыл бұрын
@@JazzyMac np Queen!🙏🏿 love these videos for first time home buyers. Do you have any advice about grants given to first time buyers? And what are the best programs or banks that help or cover closing fees? Im looking to move to Georgia soon as well and I need advice😩 lol (im from ny btw)
@JazzyMac
2 жыл бұрын
@@kingwilliam1964 hey! If you’re looking for minimum fees or no closing fees NACA is the best option (unless you’re military, then VA). However there are programs like Georgia Dream Homebuyers program that offers downpayment assistance.
@kingwilliam1964
2 жыл бұрын
@@JazzyMac ok great to know. Thank you!!!
@JazzyMac
2 жыл бұрын
@@kingwilliam1964 you’re so welcome! I look forward to hearing about your home purchase!
@yogiegemini2053
2 жыл бұрын
My building management has not renewed my lease due to working on applications for rental assistance for my neighbors. So I would like to take this opportunity to try and purchase a home. I have my 1st time homeowners certificate and finance 101, from NHS. Will these certifications from NHS be accepted?
@JazzyMac
2 жыл бұрын
Hey! So I believe NACA still has their own set of requirements. They have LIVE webinars that you can attend every Saturday to ask any specific questions and to understand what paperwork you need to have. I put the link in the description box if you want to sign up😊
@JazzyMac
2 жыл бұрын
Hey! So I believe NACA still has their own set of requirements. They have LIVE webinars that you can attend every Saturday to ask any specific questions and to understand what paperwork you need to have. I put the link in the description box if you want to sign up😊
@RichRootz
2 жыл бұрын
Would there be an in income cap on this program? Thanks in advance👍🏾✌🏾
@pamelachenault3353
2 жыл бұрын
Hello Ms. Jazzy, Thank you. I needed to hear this message. Is there a List of Homes to buy in various areas ...that NACA will provide to explore? I am looking for a Duplex. My son's first home and mine Getting your products!!. Did I say THANK YOU !!!
@JazzyMac
2 жыл бұрын
Hey! NACA will talk thru that process when you attend their webinar to get prequalified in your state! They have them every Saturday!
@yogiegemini2053
2 жыл бұрын
Can I separate the rehab from the mortgage? I wouldn't want to pay interest on a rehab for 30 years.
@JazzyMac
2 жыл бұрын
That’s going to be contingent on how NACA views the home so they would have to tell you that 😊
@FurbabiesnFun23
2 жыл бұрын
Hey jazz! I recently purchased your program for disputing and when I look at my credit report it shows the acct number but doesn't show the last few is that ok to send a dispute with just that number with some being x out
@JazzyMac
2 жыл бұрын
Hey Casie!! That’s totally normal.. When sending your letters you simply list the account number as the credit bureaus have it listed, XXXXs and all 😊
@FurbabiesnFun23
2 жыл бұрын
@@JazzyMac thank you so much I love all the info you put out I am a loyal subscriber!!
@JazzyMac
2 жыл бұрын
@@FurbabiesnFun23 thank you so so much for even tuning in! ❤️❤️ I’m here for any questions you may have!
@smoothieworld5706
2 жыл бұрын
Hi I have a question if we use NACA home mortgage can we also use FHA program as well?
@JazzyMac
2 жыл бұрын
Hey. NACA is it’s own mortgage program. So you’d use one or the other. NACA has better assistance than FHA in my opinion. They have weekly seminars you can attend every Saturday!
@smoothieworld5706
2 жыл бұрын
@@JazzyMac ok thank you because I'm on my journey of becoming a home owner but my credit is more than below poor SMH and it's like I believe it's a blessing to find your channel because I never heard of NACA before nor have any realtor spoke of this program so I'm very much grateful. I see you have more videos on credit repair so that's my next watch on the list. Thank you for the knowledge sis truly appreciate it.
@JazzyMac
2 жыл бұрын
@@smoothieworld5706 you are more than welcome, it’s my pleasure to share this knowledge! 😊 please keep me posted on your journey and let me know if you ever have any questions! ❤️
@brighteyes3445
2 жыл бұрын
I didn't like NACA I felt like they didn't help me. I had to do everything myself which left me lost in the sauce.
@JazzyMac
2 жыл бұрын
awww no! I hate to hear that. Was this pre-pandemic? I've been hearing a lot of good stuff about them lately.
@brighteyes3445
2 жыл бұрын
@@JazzyMac this was way before the pandemic.
@JazzyMac
2 жыл бұрын
@@brighteyes3445 ugh I hate that for you. I’d say see if you can be assigned a different counselor. Sometimes one person can ruin our entire experience but I don’t want that to deter you from reaping the overall benefits of NACA!
@brighteyes3445
2 жыл бұрын
@@JazzyMac I gave up on them I'm with someone else now it's kind of frustrating bc I'm trying to dispute 2 auto loans and consolidate a student loan that's not going to delete my credit even it's paid off. I'm trying my best to stay level headed and not get frustrated.
@kyojuttner8300
2 жыл бұрын
Hello again, typically how long does it take to go through the dispute process. I’m looking to buy a home within 8 months. I need to get charge offs and collections off my report. Will your kit do the trick
@JazzyMac
2 жыл бұрын
30 days is how long the bureaus have to respond. However, how long your process is depends on what items you’re disputing and the reason for your disputes.
@sheliasmith1242
2 жыл бұрын
NCAA dont sound like nothing I want to deal with ,tell Me about Credit pros. They want to help me are they good
@JazzyMac
2 жыл бұрын
That’s very subjective lol. You’d have to do your own research to determine if they’re right for your goals.
@carlpod757
2 жыл бұрын
Cool
@JazzyMac
2 жыл бұрын
😊
@cuteandsassy5773
2 жыл бұрын
Do you know the income requirement to get the 2.125 interest rate? I have searched and found the one for 2020, but nothing for 2021? I am hoping to be on the lower end of the IR but I am not too sure with the income, either way it is still cheaper than the current market.
@JazzyMac
2 жыл бұрын
That’s sounds like a question for the webinar you can attend every Saturday. I put that info in the description box! 😊
@cuteandsassy5773
2 жыл бұрын
@@JazzyMac I will be attending this saturday, thanks.
@JazzyMac
2 жыл бұрын
@@cuteandsassy5773 yayy!! Let me know how it goes Saturday!
@cuteandsassy5773
2 жыл бұрын
@@JazzyMac will do!
@ondyamorgan2297
2 жыл бұрын
None of the videos are playing for me
@JazzyMac
2 жыл бұрын
They’re playing for me 🤔
@selinawright5888
2 жыл бұрын
How can I get approved for a home to rent with bad credit?
@JazzyMac
2 жыл бұрын
That’s what this video is about! 😀 keep watching!
@resumefreak
2 жыл бұрын
Thanks Jazzy. What about a multi-family home (duplex)? If I plan to rent out one side and live in the other. Can I still do a down payment assistance like Naca
@JazzyMac
2 жыл бұрын
Hey Jay! That’s a question that will vary by the state you live in and what’s considered “owner occupied”. So it’d be best to attend their upcoming webinar this Saturday (or any Saturday) to ask about your state! 😃
@tyreesmith4011
2 жыл бұрын
Yes I worked for them and even to date, you can but multi family units but the owner MUST occupy the biggest unit. Yes you can rent the other units as well.
@BriannaMonae
2 жыл бұрын
@@tyreesmith4011 hi :) adding on to her question, if you do a multi family unit and rent the other side out… the side I’m living in could I also Airbnb my side two weeks out of every month or atleast every weekend? So every two weeks I live there or atleast every week and the days I’m not there I can Airbnb it?
@cynthiashields5341
2 жыл бұрын
I'm glad I came across this video, and the knowledge. Does NACA work with Veterans??
@JazzyMac
2 жыл бұрын
They absolutely do!! 😊
@cynthiashields5341
2 жыл бұрын
@@JazzyMac Wonderful!
@JazzyMac
2 жыл бұрын
@@cynthiashields5341 if you can, try to attend their Saturday webinar to get more insight! 😊
@feefees9796
2 жыл бұрын
My home was flooded. and i am trying to get back into my home. i am approved for a loan just need help with down payment 10500.00. Excellent Video thank you so much. My house is still there but the sidings is gone on the house.
@JazzyMac
2 жыл бұрын
Oh dear I’m so sorry to hear about the flooding. I definitely think NACA is worth the sweat equity once it’s said and done. Try to attend their webinar this Saturday to see what you qualify for!
@feefees9796
2 жыл бұрын
@@JazzyMac ok thank you thats an excellent idea if i remember it. thank you so much!! :)
@JazzyMac
2 жыл бұрын
@@feefees9796 you’re so welcome! ❤️
@shereignsproductions1778
2 жыл бұрын
Can you utilize NACA for real estate for first time? Do not own a home?
@JazzyMac
2 жыл бұрын
yes as long as the home is owner occupied and you dont presently own any other homes.
@kimberlyhand6948
2 жыл бұрын
Hello, Can you share or break down how you did your conventional loan. Thanks.😊
@JazzyMac
2 жыл бұрын
Hey Kimberly! Can you tell me just a bit more? Are you asking how I got approved for it or something else? 😊
@kimberlyhand6948
2 жыл бұрын
@@JazzyMac I just have a couple of questions - Did you use a real estate agent? Do you have a specific method for negotiation? ** I would like to close in 10 days, If you can list how I can. ( I understand situations vary, but that's why I want hear your story )
@JazzyMac
2 жыл бұрын
@@kimberlyhand6948 oh yes, my brother was my real estate agent! But the reason we closed in 10 was our lender. They backed it and made it possible because they’re a smaller, family based organization. We also did our preapproval over the phone and sent our tax documents directly to the underwriter. That saved a lot of time. And we made sure the sellers had a clear title from the beginning. We also did a 5 day inspection period (vs. 15 typical days) to speed it up.
@princesstgabriel5812
2 жыл бұрын
Hi does naca check your credit before your first appointment with a counselor or do they ask your permission on the call before doing so?
@JazzyMac
2 жыл бұрын
They will not pull your credit without your consent so you’ll know before they do anything.
@rjordan102
2 жыл бұрын
The thumbnail was a bit misleading. I watched to find out how to get $10k down payment assistance with Naca
@JazzyMac
2 жыл бұрын
NACA does not require a down payment. Isn’t that better than assistance? 🤔 I thought that would’ve been good news to you 🤷🏽♀️
@beamillan93
2 жыл бұрын
Hi Jazzy, thanks for all your help! Question, can you dispute a collections account that you went to court for and your already paying?
@JazzyMac
2 жыл бұрын
Hey! Yes, it’s your legal right to do so if you please. Just note that getting it deleted won’t necessarily mean the payments will go away. That’s based on your state laws and regulations and statue of limitations.
@beamillan93
2 жыл бұрын
@@JazzyMac thank you so much for your prompt response. BTW I purchase your templates working on my letters now, my hands hurt 😂😂😂
@JazzyMac
2 жыл бұрын
@@beamillan93 HUNTY! 😂😂 Your hand will feel so much better when that credit score increases after those letters get sent off 😩💃🏾🤣🤣 it’s worth it trust me! I’m proud of you for doing the work sis! Keep me posted on your results!
@beamillan93
2 жыл бұрын
@@JazzyMac I will!
@hildab1795
2 жыл бұрын
With no money down and low credit won’t this have a higher mortgage rate
@JazzyMac
2 жыл бұрын
Not for NACA. Their interest rates are generally in the 1% range since they are community based.
@kellygrove3531
2 жыл бұрын
Where the information to call nacca
@JazzyMac
2 жыл бұрын
I don’t have the direct phone number but the websites and the webinar sign up is in the description box
@VeroLoui
2 жыл бұрын
Can you purchase a multi family?
@JazzyMac
2 жыл бұрын
Hey Queen! Yes, as long as it’s up to code! 😊
@VeroLoui
2 жыл бұрын
@@JazzyMac Hello Lovely! Thank you! Fabulous video! And you look stunning 💗 Thank you for sharing the knowledge.
@JazzyMac
2 жыл бұрын
@@VeroLoui you are so welcome Queen! And thank you! ❤️❤️❤️
@Magpie272
2 жыл бұрын
Is there a way for a closed account to be lowered??
@JazzyMac
2 жыл бұрын
Hey! What do you mean by lowered? 😊
@Magpie272
2 жыл бұрын
Hi, I got remarried and my hubby came with quite a lot of debt, he has a card with thousands due on it, the account is closed. I was wondering if there was a way to pay it off but maybe cut a deal of some sort. Example: Say I owe 2,500 could I say I have $2,000 to pay it off and make a deal?
@JazzyMac
2 жыл бұрын
@@Magpie272 hey Kristina! So if the account is in collections, you can ask the agency about a pay-for-delete. Many of them will settle for 50% of the balance. Make sure you get it in writing BEFORE you make any payments. So yes, that’s absolutely possible. I’ve done it before.
@alondraarciga216
2 жыл бұрын
Hey jazzy Just started watching your videos just had a few questions 1. I purchased a car in 2016 but had some late payments but now I don’t owe anything and it’s mine so to get rid of late payments do I call the creditor? 2. I have a credit card from Wells Fargo it’s a collection charge off. I’m able to use the dispute letter? It says the dispute is resolved-consumer disagrees completed investigation of fcra dispute-consumer disagrees. 3. I have a medical collection will I be able to use the dispute letter as well? Thank you once again for all the great information
@JazzyMac
2 жыл бұрын
Hey Alondra! For the late payments you may be able to ask for a goodwill correction of the late payment status. These are honestly rare, though. You could potentially ask the bureaus to update the status to “Pays as agreed” but again that can be tough. The template can be used for collections and charge offs but of course individual results will vary!
@alondraarciga216
2 жыл бұрын
@@JazzyMac thank you so much for responding I’ll definitely look into
@tahtah688
2 жыл бұрын
Will this work for condos?
@JazzyMac
2 жыл бұрын
I honestly don’t know, that’s a really great question! I would think as long as it’s owner occupied it should but you can attend the webinar this Saturday and find out.
Пікірлер: 160