Kristopher Fraley’s NACA Review – Personal Path To Home Ownership

  • Interest Rate: 0.0625%(Yes that is 1/16th of 1%) 30 years FIXED
  • Private Mortgage Insurance: I paid NONE.
  • Closing Costs: I paid absolutely no closing costs
  • Credit Score: My credit score at time of closing was 598, seriously.
  • No Down Payment Required: I was not required to put a down payment down. “principle reduction” may be required if you buy the interest rate all the way down  to 0.0625% such as I did (not very many people choose to do this)

With such large demand in these NACA offices I am willing to help you through the NACA process in any way I can! From start to finish. I can be here as a mentor, as a friend, as somebody to vent to throughout your process. My phone and email are ALWAYS open.

I had my own unique experience through the program. I have made friends all around the country whom have also had similar experiences(and different). I know people with 0.0625%, .125%, .8%, 2%, 1.1%, the list goes on!! Often times I see, and hear about far too many people who decide to quit the program for various different reasons. It’s tough seeing that because the program simply brings far too much VALUE to pass up on for the other outdated expensive mortgage options filled with FEES & mass amounts of INTEREST!!!

I receive emails from people from all around the country and I cannot express how great it feels to be able to talk someone out of quitting the program for various different reasons. Most times all somebody needs is just someone who has BEEN THERE….EXPERIENCED a setback and simply the need to VENT. A SETBACK IS SIMPLY A SETUP FOR A COMEBACK!!!! These NACA counselors are FAR too busy to be dealing with VENTING & FRUSTRATION.

If your in the DMV area, reach out to me.

This organization is truly one of a kind. No other mortgage product even comes close to matching.

This can get confusing very quickly, so for now just know there is no down payment required initially on loans, only if you decide to buy the interest rate down, and even then depending on how far you buy it down.

Here are my mortgage details:

  • Purchase Price: 405k
  • Loan Amount: 383k
  • Total Mortgage Payment: $1474 (This has since increased to $1515, as property taxes have increased within the first two years)
  • Principle & Interest: $1074
  • Property Taxes & Insurance: $400~

Under $1500 a month for a 6 YEAR old house with 1.33 acres located in Frederick County MD.

Ill explain this as easy as I can. I paid 25k to the bank upfront to buy the rate from 3.5%~ to about 1.75%. I then put down 22k into a “down payment” aka “principle reduction” and the bank matched that dollar for dollar in further reducing the rate to the lowest allowed by law through CITI BANK to 0.0625%. This is a fixed interest rate. UNHEARD OF!

In addition to the 25k interest I paid up front I will be paying roughly $3000 in interest amortized over 30 years(practically nothing) So total interest paid: 28k on a 383k loan. Additionally I just received a 6k tax refund solely due to deducting the points paid last year. So make that a total of 22k interest on a 383k loan! YOU CANNOT GET THIS ANYWHERE ELSE! IT IS CRAZY!!! The cost to pay for the interest rate upfront LITERALLY pays for itself in 1.5-2 years!

The amount of interest and fees im saving over the course of 30 years is approximately $320,000!!!!! That is CRAZY!

FHA you need a 3.5% down payment, Conventional is what 10-20%? Then you have to worry about PMI and MIP… and another “fees” the banks charge you. Its all a bunch of ludicrous. The banks DON’T CARE about you. NACA DOES care about you. The process is NOT easy, but it is SO worth it.

SO your saying to yourself: “WOW!!! There must be a catch……”

Here’s the catch: You must be extremely PATIENT, you must be PERSISTENT, and you must be DETERMINED. NACA doesn’t just “give out” this mortgage terms to anyone. You have to EARN IT. You have to understand how the process works. You have to put in “SWEAT EQUITY”. The process is NOT FAST. If your looking for a 1-2-3 quick mortgage this program is NOT for you. YOU have to be the one on top of your file 24/7. YOU have to be the one who wants “next level” home ownership REAL BAD. My process took pretty much the same amount of time an FHA loan would have taken, maybe 1~ month longer. Everybody’s timeline will vary.

I speak at workshops in the Baltimore area at least once every 2 months or so. I get to share my success story with everyone else. Nobody is going to stop you through this program but YOURSELF!

I read some negative online. Practically all of them have everything to do with ones own lack of preparation, lack of knowledge of the program, lack of personal responsibility, complaining the process is too slow. Listen, the process WORKS. It really does. It does not work for everyone, but it can. The process is not perfect by any means. The counselors are EXTREMELY overworked. Some counselors may have 100+ people they are trying to assist! The way I look at it, some of the best things in life just TAKE TIME. You cant RUSH greatness.

Listen, I grew up on section 8 housing my entire life as a kid. For the first 9 years of my adult life I was renting one crummy apartment after another. I learned about the NACA process in 2010. It took me YEARS to grow into the person that had enough DISCIPLINE to obtain these phenomenal mortgage terms. I developed an immense amount of patience. I made HUGE SACRIFICES. YOU have the ability to decide to go after whatever it is you want in life. My mother lives with me. I feel HONORED to be able to put my mother in such a wonderful HOME. I will NEVER have to worry about foreclosure EVER. I am not some “special guy” I am not made of money/rich. I am about as common as can be if you were to pass me on the sidewalk. However, I have this immense amount of DETERMINATION, AMBITION, that you cannot buy at walmart. You have it too! You may just not know it yet!

If you live in the DC/VA/MD area and would like me to assist you through becoming a “next level” home owner, feel free to email me at and I will do everything within my power to help you. I can help you locally. We can either meetup, or we can talk on the phone. Explain to you from A to Z what the process is going to require. Having someone like me on your side through this process is PRICELESS!!! I have met numerous people throughout the country through this program! Even had a family stop by our house to have lunch on their way to the beach! How amazing!!! 0.0625%!!!!!!

Below is actual financial documents of a 0.0625% 30 year fixed interest rate through Citi Mortgage I obtained.

In this first document, this is the total yearly interest paid on 12 mortgage payments. The total interest was $227.95. There is no need to write off interest on filing taxes, as I essentially pay none

2016 Year End Interest Statement
2016 Year End Interest Statement

This is a copy of my year end statement from 2016. As you can see total principle(equity) applied is $11,601.23, total interest on 12 payments is $209.25. This is what you call Instant Equity.

2016 Year End Mortgage Statement
2016 Year End Mortgage Statement

This is a yearly mortgage amortization chart. As you can see total interest with 0.0625% rate over 30 years amortized is: $3,140.96. In my mind, this is essentially nothing. This should be over $280,000+

This simply shows the Mortgage Details. The original loan balance of $382,941 with the 0.0625% 30 year fixed rate.

0.0625% Mortgage Details
0.0625% Mortgage Details

This is a list of every single payment I have made to date on our loan. Escrow is property taxes & home owners insurance.

We’re not like everyone else. THERE, we said it. My real estate team is comprised of passionate, innovative real estate consultants in a landscape full of real estate dinosaurs. We specialize in the DC-District Of Columbia/MD-Maryland/VA-Virginia metropolitan area. 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 other places across the internet.

Kristopher Fraley & his team are experts on the NACA program. We specialize in the DC-District Of Columbia/MD-Maryland/VA-Virginia 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!

A few years ago a serendipitous event(purchasing a home through the NACA program with a 0% 30 year fixed interest rate) inspired me to become a licensed NACA approved real estate agent, and I love it! There is nothing greater than giving back and its a fantastic process that I feel lucky to participate in. With so many money hungry sharks preying on innocent people in the real estate industry, I feel honored when people trust me and my team to help them obtain the best terms on a mortgage possible.

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 are proud to put our knowledge and expertise to work for you. Our passion is to help you realize the American Dream!

The NACA program offers: No down payment required, no closing costs, no private mortgage insurance, no credit score check, below market interest rateas low as 0.0625% 30 years fixed. The max purchase price in the DC-District Of Columbia/MD-Maryland/VA-Virginia metropolitan area is 669k, 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, no restricted purchasing areas, lender pays appraisal, and absolutely no bogus fees!

Visit our Instagram & Facebook & Website for more information!

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.

We are the only team in the DC/MD/VA area with an NACA Approved Realtor and an NACA Buy down Specialist.

Well teach you how to use the banks money to help you get your rate down to near 0%!

Kristopher Fraley
of Keller Williams Capital Properties
20 W Gude Drive #200
Rockville, MD 20850


Click here to view Kris’s post on the NACA FORUM

A non-complete list of cities to buy through the NACA program in DC-District Of Columbia, MD- Maryland, VA-Virginia:

Arlington, Lorton, Springfield, Fort Belvoir, Fairfax Station, Newington, Alexandria, Burke, Mount Vernon, Fairfax, Clifton, Chantilly, Annandale, Merrifield, Falls Church, Centreville, Oakton, Vienna, Dunn Loring, Herndon, Reston, Mc Lean, West McLean, Greenway, Great Falls, Occoquan, Woodbridge, Dumfries, Triangle, Manassas, Quantico, Nokesville, Bristow, Catharpin, Gainesville, Haymarket, Lothian, Friendship, Tracys Landing, Harwood, Deale, Davidsonville, West River, Gambrills, Laurel, Churchton, Crofton, Galesville, Riva, Shady Side, Edgewater, Odenton, Mayo, Crownsville, Annapolis, Severn, Millersville, Hanover, Baltimore, Severna Park, Indian Head, Marbury, Bryans Road, Ironsides, Nanjemoy, Pomfret, Port Tobacco, Welcome, Waldorf, White Plains, La Plata, Bel Alton, Faulkner, Bryantown, Newburg, Hughesville, Mount Victoria, Issue, Benedict, Rock Point, Cobb Island, Fulton, Laurel, Highland, Savage, Annapolis Junction, Clarksville, Columbia, Simpsonville, Jessup, Dayton, Glenwood, Ellicott City, Elkridge, West Friendship, Bethesda, Glen Echo, Cabin John, Chevy Chase, Potomac, Takoma Park, Silver Spring, Kensington, Garrett Park, Rockville, Gaithersburg, Poolesville, Germantown, Washington Grove, Derwood, Spencerville, Montgomery Village, Olney, Burtonsville, Beallsville, Sandy Spring, Boyds, Ashton, Brinklow, Barnesville, Dickerson, Brookeville, Clarksburg, Damascus, Accokeek, Fort Washington, Oxon Hill, Temple Hills, Clinton, Capitol Heights, Suitland, Cheltenham, Andrews AFB, Brandywine, District Heights, Brentwood, Mount Rainier, Hyattsville, Bladensburg, Upper Marlboro, Riverdale, College Park, Lanham, Greenbelt, Bowie, Beltsville, Glenn Dale, Laurel, Washington DC, Arlington County, Fairfax County, Loudoun County, Prince William County, Anne Arundel County, Charles County, Howard County, Montgomery County, Prince Georges County, Keymar, Woodsboro, Walkersville, Frederick County, Frederick, Ballenger Creek, New Market, Mount Airy, Howard County, Columbia, Wheaton, Glenmont, Forest Glen, White Oak, Sykesville, West Minister, Taneytown, Brunswick, Knoxville, Point of Rocks, Poolesville, Hagerstown, Largo, Waldorf, Port Tobacco, La Plata, Crofton, Edgewater, Bowie, Laurel, Dundalk, Millersville, District Heights, Burtonsville, Colesville, Cloverly, Laytonsville, Leisure World, North Bethesda, Potomac, Montgomery Villeage, Brookeville, Darnestown, Boyds, Clarksburg, Urbana, Ijamsville, Kentlands, Buckeystown, Adamstown, Myersville, Jefferson, Middletown, Yellow Springs, Thurmont, Clover Hill, Libertytown, New London, Catonsville, Jessup, Fort Meade, Odenton, Glen Burnie, Pasadena, Severna Park, Towson, Pikesville, Reisterstown, Middle River, Crownsville