Kristopher Fraley, Cedric Stewart & Pinkesh Gala NACA Approved Realtors, DC, Maryland & Virginia

kristopher fraley naca realtor reviews the steps to buy a home with the naca real estate program loan qualification workbook interest rate

Protecting Buyers In The DC, Maryland & Virginia Area

Metropolitan Area For Over A Decade

People First. Results Driven.

We’re not like everyone else. THERE, we said it. Our real estate team is comprised of passionate, innovative real estate consultants in a landscape full of real estate dinosaurs. We specialize in the DC, Maryland & Virginia metropolitan area. Kristopher Fraley & Cedric Stewart have partnered up to create the best NACA home buying experience for DC, Maryland & Virginia

Experience. Knowledge. Results.

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

Qualify. Find. Own.

A few years ago a serendipitous event(purchasing a home through the NACA program with a 0% 30 year fixed interest rate) inspired Kristopher to become a licensed NACA approved real estate agent in addition to his career in logistics, and he loves it! There is nothing greater than giving back and its a fantastic process that he feels lucky to participate in. With so many money hungry sharks preying on innocent people in the real estate industry, we feel honored when people trust our team to help them obtain the best terms on a mortgage possible. You may often see him posting on the NACA forums among many other places across the internet.

Cedric Stewart is a nationally recognized real estate expert in the Washington, DC metropolitan area; helping individuals, families, and businesses position themselves for positive community engagement and economic growth. A native Washingtonian and founder of Entourage RG, clients, realtors, and investors alike rely on Cedric for his 15-years of industry experience and example in community service. In addition to media appearances, he shares his expertise via training and public speaking.

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!

The NACA program offers: No down payment requiredno closing costsno private mortgage insuranceno credit score checkbelow market interest rateas low as 0.125% 30 years fixed. NO INVESTORS, Cannot currently own any property, Owner occupancy(must live in home), there is no income minimum, or maximum, no restricted purchasing areas(for priority members), lender pays appraisal, and absolutely no bogus fees!

The Best NACA Home Buying Resource For DC, Maryland & Virginia

We are the only team in the 
DC, Maryland & Virginia metropolitan area that knows all of the intricacies involving the NACA Program When you work with us, you get more than a single realtor!

Are You Ready To Work With A DC, Maryland & Virginia Approved NACA Real Estate Team?

Email: kris@no-downpayment.com

View Our Post On The NACA Forum

View Our Reviews

Our mission is to provide the best home buying experience for our communities.

We take pride in maintaining an average rating of 5 out of 5 stars on Google, Facebook, Yelp, & Zillow. Check out what our clients have to say about us online!

If you’re a client please give us a review by clicking the review site logos below!

The Murray Family’s 0.0625% FIXED Interest Rate!

The Murray Family | ★★★★★

Bought a single family home in Stafford, Virginia

“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.”

See this review and others on Facebook

Mr. & Mrs. Silva Signing Closing Documents
Mr. & Mrs. Silva Signing Closing Documents

The Silva Family | ★★★★★

Bought a single family home in Silver Spring, Maryland

“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.”

See this review and others on Google

Ms. Son & Her Son At Closing Kristopher Fraley
Ms. Goin & Her Son At Closing

Ms. Goin & Her Son | ★★★★★

Bought a townhome in Germantown, Maryland

“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!”

See this review and others on Zillow

Ms. Durant Closing At The DC NACA Office

The Durant Family | ★★★★★

Bought a Single Family Home in Elkridge, Maryland

I had a very pleasant experience in the beginning through NACA. Things got a little bit hairy toward the end but I had really good people behind me. My NACA counselor was awesome, my realtors Cedric & Kris were awesome, you definitely need a good team because there are some challenges that become hard for your to navigate alone, having a little bit of insight, ways to get around those challenges. So I definitely recommend having a good team.

Mr. & Mrs. Owaga Receive Their Keys!
The Owaga Family Standing In Front Of Their New Home!

The Owaga Family | ★★★★★

Bought a townhome in Columbia, Maryland

“I had a very great experience with Kris. He is very knowledgeable, experienced, and calm person. 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!”

Ms. Blair Closing In The NACA Office
Ms. Blair Closing With Cedric Stewart With A 1.375% FIXED Interest Rate!

Ms. Blair | ★★★★★

Bought a condo in Columbia, Maryland

“Cedric 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.”

View More Success Stories Here

SIMPLY PUT: If you can afford RENT, you can afford a MORTGAGE, FOR LESS!

We’ve been protecting buyers and saving them thousands in the DC, Maryland & Virginia metropolitan area for over a decade. We’re seeking to help highly motivated, working class families achieve the dream of truly affordable home ownership.