Testimonials

Mr. & Mrs. Silva 07/09/2017
Bought a Single Family home in 2017 for approximately $425K in Silver Spring, MD.
Primary point of contact: Kristopher Fraley

Kristopher Fraley

Our experience with Mr. Kristopher Fraley deserves highest appreciation and five stars all around. We bought our house through a NACA loan and got one of the lowest mortgage payments imaginable with a 2% interest rate. Thanks to the knowledge and the relationships Kristopher and their  team has built over the years, our house buying experience with NACA was smooth and I don’t think it would have been smooth if it wasn’t for their team.

Mr. & Mrs. Silva Signing Closing Documents, Kristopher Fraley
Mr. & Mrs. Silva Signing Closing Documents

We heard many good things about NACA but we were a bit skeptical because it sounded too good to be true. My wife and I having excellent credit ratings and enough savings to get a conventional loan, we had to contemplate the pros and cons. After talking to Kristopher and crunching some numbers, it was no brainer that a NACA loan with zero closing costs and down payment with the ability to buy down the interest rate was the best option. Kristopher provided us with the necessary guidance to get pre-approved in a month. Then we were off to house hunting.

If you want a realtor with patience and determination that will listen to you and help you find the dream home, then look no further, Kristopher will make it happen.

We wanted to buy the best home we could afford within minutes from my work in downtown Silver Spring. We were not sure of many things when it came to the house so Kristopher was very patient in understanding what we truly valued. Then one day, there was a house, an ideal listing, a thoroughly renovated single family home that was $15k more than what we could afford through NACA. We had little hope but Kristopher believed in us being able to buy this home. Kristopher spoke with the selling realtor to explain our situation, we submitted our best offer that was $15k less than the asking price, and the seller accepted.

Mr. & Mrs. Silva & Kristopher Fraley At Settlement
Mr. & Mrs. Silva & Kristopher Fraley At Settlement

It is not easy to close on a home with NACA due to their strict requirements and steps, which we have to go through. In addition, we had one of the toughest sellers that put incredible amount of pressure on Kristopher. However, Kristopher and his team was cool and calm and we were able to get everything done and close on our dream home.

If you are reading this, then the best advice I can give is Kristopher & Credric’s team got your back. This will be the easiest decision you will make in choosing a real estate agent. I know I will be buying and selling more homes in the future and I know I have one of the best in the industry that got my best interest at heart!

Mr. & Mrs. Silva & Kristopher Fraley At Settlement, Kristopher Fraley
Mr. & Mrs. Silva & Kristopher Fraley At Settlement

06/14/2017 Mr. & Mrs. Owaga
Bought a Townhouse home in 2017 for approximately $325K in Columbia, MD.
Primary point of contact: Kristopher Fraley

I had a very great experience with Kris. He is very knowledgeable, experienced, and calm person. I bought my house through NACA, and My realtor Kris of Keller Williams Capital Properties. Working with

Kris made my work as a first time home buyer very easy. He proved very competent and knows exactly how to satisfy his customers and we were always a head of the schedule. Thanks again Kris!

Mr. & Mrs. Owaga Receive Their Keys!
Mr. & Mrs. Owaga Receive Their Keys!
11/14/2017 Mr. & Mrs. Murdock
Bought a Single Family home in 2017 for approximately $180K in Purnell, Baltimore, MD.
Primary point of contact: Kristopher Fraley

When searching for a realtor, many questions come to mind. Will they push me into a home I don’t want so they can get paid? Will they make the time to help me see properties after work? Will they understand how to find a home for unique situations? Will they try to get me to spend my max budget so  they can get a higher cut?

There are SO MANY QUESTIONS! There are SO MANY CONCERNS! Buying a home can be a terrifying experience in itself – without even thinking about adding a realtor to the mix. Thankfully, the fears of my husband and I were eased with Kris by our side.

We came across a posting for NACA on Facebook. We had recently enrolled in the NACA program and were looking for more information. We found Kris in March of 2017. Kris is the NACA expert on this team and spent months working with us on finding a home. Ultimately, after giving it the “old college try,” we decided that NACA was not the best program for our family.

We contacted Kris to pickup where we left off. After meeting with about 3 other realtors since 2014, we were nervous. We were hoping to find someone to actually understand what we needed instead of pushing us where they wanted us to go. We had a unique situation. We essentially wanted an income property for us to live in for the next 5-7 years. The most important factors were cost, potential return on investment, and that there was adequate space for my family to live comfortably right now.

Kris met with us several times and always made himself available to us. He was patient with our needs, understanding when we voiced potential concerns, and went out of his way to ensure that we were satisfied. On the homes that we attempted to put in offers, he ensured that we took our time and thought about the decision before acting. This was a blessing as we’ve had other’s attempt to rush us into acting. Kris met us on rainy days, on sunny days, on summer weekends when he should’ve been with his family, and even on a few evenings when we knew we wouldn’t be available on the weekend… He was extremely accommodating. He made himself available to panic phone calls, random question texts, and even a multitude of emails (talking over 100). Even when we considered going above our budget, he helped us to remain realistic.

After home searching since 2014, my husband and I had our mind made up on a lot of things that we wanted, at times, offering lower than recommended. Kris explained the risks, the potential outcome, and still respected our decision – even when we went against what he recommended. He fought for us on every deal even when he disagreed with the risks we took. We spent the entire summer and fall searching and making offers on potentials. We revisited our must have’s a thousand times. The market was limited, homes were overpriced – true seller’s market.

Thankfully, after a long process – we found our home this fall. We offered much less than what was recommended for a fully renovated home. Kris took the time to ask why and how we arrived at the number. After explaining, he fully understood our stance and fought tooth and nail for us to come to an agreement with the seller. We were able to find a mutual agreement and purchased our home at $24k less than the original list price. The home even appraised at $10k more than what we paid for it!

The journey was still not over! We had a few issues with inspections and Kris worked tirelessly to ensure that the seller did the right thing and fixed our must haves. Even AFTER the purchase, there were/are a few issues with things that had to be fixed in our home. Kris kept and is keeping in contact with us on progress, expectations, and ensuring that the seller fixes everything she agreed to fix and any issues that arose from those “fixed” items.

After a few panic calls about the 3rd inspection, he was even able to get the seller to agree to a 1 year home warranty for FREE!!!

What more can I say? Kris is knowledgeable, patient, and pretty darn great at his chosen profession. If we had to do this again, our only wish is that we could’ve met Kris sooner! If you are looking for someone open minded, extremely intelligent, and someone who won’t rest until he helps you find exactly what you need – look no further- Kris is the man for the job! At this point, we consider him a friend and look forward to our next purchase with him in the next 5-10 years.

12/21/2017 Ms. Blair
Bought a townhouse in 2017 for approximately $135K in Columbia, MD.
Primary point of contact: Kristopher Fraley
Ms. Blair, Kristopher Fraley


Kris and his team were very helpful with the home buying process. As a first time home buyer, they walked me through the whole process and made sure I was comfortable and knowledgeable about all decisions that were made. I would definitely recommend him to anybody in the DMV area especially if
  they are using the NACA program.

Ms. Blair & Her Father At Settlement, Kristopher Fraley
Ms. Blair & Her Father At Settlement
Ms. Blair At Her Condo!
Ms. Blair At Her Condo!
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06/25/2018 Ms. Goin
Bought a townhouse in 2018 for approximately $295K in Germantown, MD.
Primary point of contact: Kristopher Fraley

This is not an ordinary review to “promote” Kris’s services. This is a genuine and honest review of Kris Fraley as a realtor. First of all, My mother (Gabriela Goin) had a dream of having a house under her name since she arrived in the U.S. (more specifically Montgomery County, Maryland) from Peru in 1990. Fast forward to 2015, she has lived in Montgomery County since she arrived in the U.S. 28 years ago. In January of 2015, we first heard of the NACA program via my older brother Jose, who happens to be one of Kris’ childhood friends.

Ms. Goin Overjoyed! Kristopher Fraley
Ms. Goin Overjoyed!

We originally thought the NACA program was “too good to be true”, however after a few conversations with my family, my brother and I convinced my mother to take a chance with NACA to attempt to fulfill her lifelong dream of purchasing a house under her name. Kris said if we were willing to put the time in, he would too. My mom had specific requirements when looking for a house. Requirements such as having 3 bedrooms, a deck, 2 full bathrooms, a modern looking kitchen, wood floors and most importantly, buying a house in her home of Montgomery County. Nobody in my family has ever purchased a home.

Here are the details of our loan we received through the NACA program:

Purchase Price: $295,000

Loan Amount: $276,452

Interest Rate: 0.25%(Yes, 1/4th of 1%!)

Monthly Payment: $1,231

With this ridiculously low interest rate our family is saving approximately $270,000 in interest & fees that would be part of a “normal” conventional loan. We build around 9k in equity per year excluding any property appreciation over time. That is unheard of.

Through the NACA program we paid no closing costs, no private mortgage insurance, we did not have perfect credit, paid ABSOLUTELY NO BOGUS FEES OF ANY KIND. (Application, appraisal, transfer/recordation taxes etc.) The list goes on.

Ms. Goin Signing Closing Papers At The NACA Office, Kristopher Fraley
Ms. Goin Signing Closing Papers At The NACA Office

It took my mother 3 years start to finish to buy a home through the NACA program but in actuality, it took my mother 28 years to FINALLY accomplish one of her lifelong dreams. None of this would’ve happened without Kris. The level of patience, persistence, determination and pure faith that he demonstrated throughout the three year process is honestly indescribable. Especially during the times when my mother was on the brink of giving up because of NACA’s gruesome requirements and constantly requesting more and more paperwork such as non-stop paystubs, bank statements, letters explaining certain payments, etc.

My mother was initially NACA qualified yet, lost her job of 10 years right as she was out searching for homes. It took her a whole additional year to re-quality. Fortunately, Kris constantly kept reminding us via text messages, phone calls and face to face visits that this will all be worth it in the end to NOT go with a conventional loan, and to encourage my mother to not throw in the towel and he was indeed right. If we ended up going the conventional route, not only would we have paid a mass amount of interest & fees, we would have only qualified for about 200k and would have had to settle for a condo. We we’re able to buy the townhouse we always wanted! Navigating the NACA program is no easy feat, however for those who tough it out, the ultimate reward is amazing!

Ms. Goin & Her Son, Kristopher Fraley
Ms. Goin & Her Son

This wasn’t just my mother’s dream, this was an INVESTMENT for our family name which words can’t describe how grateful and lucky I truly am to have had Kris by our side this entire time because without him, I would not be typing this message right now in our new home. Kris is an unbelievable, tenacious person who will help you buy the house that is right for you. He will be patient with you, he will encourage you and most of all, he will do everything in his POWER to make sure that you are blown away with the end result. With that being said, he will not do the work for you. YOU must be willing to put in the “sweat equity” as he likes to call it.

Ms. Goin & Kristopher Fraley
Ms. Goin & Kristopher Fraley

Kris, from my entire family to you, THANK YOU FOR EVERYTHING BROTHER. From the bottom of my heart man, you gave my family HOPE when we were constantly moving from apt to basement to apt to rented home and on the brink of quitting multiple times. Now that we’re in this home and my mother’s dream came true, you lit a fire in me that makes me WANT SO MUCH MORE for my mother and the rest of my family. You’ve inspired me to never give up on any of my dreams. You’re an incredible soul my man. You will forever be family to us. WE LOVE YOU MAN. THANK YOU!

Below is a video that was taken of Ms. Goin’s closing:

Ms. Goin Closes With A 0.25%(Quarter Percent) 30 Year Fixed Interest Rate Through The NACA Program, Kristopher Fraley


Ms. Galan Closes with a 1.5% 30 Year Fixed Interest Rate Through The NACA Program

Ms. Galan showing off her new home! 1.5% 30 year fixed interest rate! Ms. Galan showed much perseverance through the NACA program. Our NACA team leader (Kristopher Fraley) knows first hand what it takes to close on a NACA mortgage, as he himself is a NACA home owner! You may often see him posting on the NACA forums.

We are experts on the NACA program. We specialize in the DC/MD/VA metropolitan area. By developing relationships with NACA counselors, departments heads, and regional program managers over the last decade we’ve helped guided many buyers through the program successfully. we are proud to put our knowledge and expertise to work for you. Our passion is to help you realize the American Dream!

Ms. Galan & Her Agent Kristopher Fraley
Ms. Galan & Her Agent Kristopher Fraley

No down payment required, no closing costs, no private mortgage insurance, no credit score check, below market interest rate, as low as 0.0625% 30 years fixed. The max purchase price in the DC/D/VA metropolitan area is 453k, though your individual qualification will vary. NO INVESTORS, Cannot currently own any property, Owner occupancy(must live in home), there is no income minimum, or maximum,lender pays appraisal, and absolutely no bogus fees!

Ms. Galan In Front Of Her New Home!
Ms. Galan In Front Of Her New Home!

Ms. Greenwood & Kristopher Fraley
Ms. Greenwood & Kristopher Fraley

Ms. Greenwood & her NACA realtor (Kristopher Fraley) closing at the DC NACA office. Ms. Greenwood’s purchase price is $410,500 with a 3.875% 30 year FIXED interest rate. Ms. Greenwood’s monthly payment is $2,173.10 including property taxes & insurance. Ms. Greenwood paid NO CLOSING COSTS, NO PMI, NO BOGUS FEES WHAT-SO-EVER. Ms. Greenwood received a $6,843.09 credit due at closing as her $10,000 EMD check was larger than her pre-paids due at closing(insurance/property taxes) which was $3,156.91. WOW!!! Ms. Greenwood is what we like to call a “NACA warrior”. The immense amount of perseverance & patience she displayed paid off in the long run. This is her first home purchase!

Ms. Greenwood Smiling At Her New Home Kristopher Fraley
Ms. Greenwood Smiling At Her New Home

Ms. Greenwood standing in front of her newly renovated home in DC! Look at that beautiful smile! We knew from our very first meeting with Ms. Greenwood this relationship was going to work very well! She was fiercely determined to navigate through the NACA program. Her main concern was getting under contract in one of the most competitive real estate markets in the nation! (DC). We were able to ease her concern by our proven strategies utilized with prior clients. Her fierce determination matched with our knowledge of the NACA program was a combination for a successful closing! We hope you enjoy your home Ms. Greenwood!

Ms. Greenwood Closing at DC NACA Office Kristopher Fraley
Ms. Greenwood Closing at DC NACA Office

Video of Ms. Greenwood closing at the NACA office in DC! Ms. Greenwood received a CREDIT at closing of $6,843.09 due to her $10,000 EMD check which aggressively put her under contract. Her main concern was getting under contract in one of the most competitive real estate markets in the nation! (DC). We were able to ease her concern by our proven strategies utilized with prior clients. Her fierce determination matched with our knowledge of the NACA program was a combination for a successful closing! We hope you enjoy your home Ms. Greenwood!

Kristopher Fraley
The Murray Families Review Of Kristopher Fraley

My family and I are extremely grateful for Kristopher Fraley. He was the perfect realtor to have on our team during our NACA process. If you are in the NACA program, look no further. Kris made it clear through his words and actions – consistently – that he was on our side and genuinely wanted the best for us. There was never any pressure from him to do anything, only support, 100% of the time.

He was patient as we looked at different homes and never complained. He asked great questions during the search process that helped us know when a home was right for us, and he gave great advice when asked. It was like having a family relative look at homes with you. As someone who has successfully gone through the NACA program himself, he was very knowledgeable about how the NACA program worked and how to get things done. He was an absolute joy to work with!!!

Kristopher Fraley
The Murray’s & Realtor Kristopher Fraley At The DC NACA Office.

My team was honored to be a part of Tara Murray & Gareth Murray Jr. family’s journey to home ownership. What a privilege. I still remember our first consult over the phone back in February while I was in Florida. Much of the conversation was regarding the power of the interest rate buy down feature of the NACA program. What the Murray family achieved is nothing short of EXTRAORDINARY. It is quite possible they have the highest interest savings of anyone in the entire nation who has a mortgage! Saving over $400,000 in interest. I mean, seriously. Who has a $1700 monthly payment no interest loan on a 500k home with 48k FREE MONEY TO START THE LOAN?!?!?!?!?! Just WOW!. 😳 What an investment! It warms my heart Tara & Gareth were able to put their children in a beautiful home, with such a peaceful view of a pond! Serenity at its finest! I will never forget the conversation between us 3 sitting in the DC NACA office waiting to close. The Murray’s heartfelt conversation on what this accomplishment meant for their family. This is our WHY. 😊

Kristopher Fraley
The Murray’s Standing In Front Of Their First Home!

Mr. & Mrs. Murray, children & their NACA realtor Kristopher Fraley closing at the DC NACA office. Mr. & Mrs. Murray’s purchase price was $500,000 with a 0.0625% 30 year FIXED interest rate. WOW!!! Loan amount: $451,338, including a $48,662 LENDER MATCHING GRANT, THAT’S $48,662 FREE MONEY! Mr. & Mrs. Murray’s total monthly payment is $1,698.06 including property taxes & insurance. Mr. & Mrs. Murray paid NO CLOSING COSTS, NO PMI, NO BOGUS FEES WHAT-SO-EVER. The Murray’s decided to take full advantage of what the NACA program had to offer. Each year they will build $15,187.56 equity not including property appreciation, with no interest! WOW!!! THAT IS POWERFUL. WHAT AN INVESTMENT! NACA WARRIORS! 🙂 Our NACA team leader Kristopher Fraley knows first hand what it takes to close on a NACA mortgage with an incredibly low interest rate, as he himself is a NACA home owner(0.0625% fixed rate). You may often see him posting on the NACA forums among many places across the internet. THE NACA PROGRAM IS NOT FOR THE FAINT OF HEART! Navigating through the program is far different than a conventional mortgage one can obtain down the street. It requires patience. Conventional real estate spend MILLIONS a year on advertising just to charge you FEES! NACA = $0 advertising, NO FEES! Don’t be fooled. Those who conquer the NACA program end up with unbeatable mortgage terms throughout the nation!

Kristopher Fraley
View Of The Murray’s New Home!
Kristopher Fraley
View Of The Murray’s New Home!
Kristopher Fraley
View Of The Murray’s New Home!
Kristopher Fraley
Mr. Murray Signing Closing Papers At The DC NACA Office With Kristopher Fraley

Our NACA team leader (Kristopher Fraley) knows first hand what it takes to close on a NACA mortgage with an incredibly low interest rate, as he himself is a NACA home owner(0.0625% fixed rate). You may often see him posting on the NACA forums among many places across the internet. THE NACA PROGRAM IS NOT FOR THE FAINT OF HEART! Navigating through the program is far different than a conventional mortgage one can obtain down the street. It requires patience. Conventional real estate spend MILLIONS a year on advertising just to charge you FEES! NACA = $0 advertising, NO FEES! Don’t be fooled. Those who conquer the NACA program end up with unbeatable mortgage terms throughout the nation!

We specialize in the DC-District Of Columbia/MD-Maryland/VA-Virginia metropolitan area. We are experts on the NACA program. By developing relationships with NACA counselors, departments heads, and regional program managers over the last decade we’ve helped guided many buyers through the program successfully.
email: kris@no-downpayment.com