NACA Owner Occupancy Requirement.

NACA’s Owner Occupancy requires you live in the home for as long as you have the NACA Mortgage:

NACA believes that owner-occupants stabilize neighborhoods. Therefore, NACA requires that you live in your home for as long as you have your NACA Mortgage. Being an owner-occupant involves you in all aspects of the community because you own a piece of the community, not just real estate.

NACA is very serious about Members adhering to the occupancy requirement. Therefore, NACA puts a “silent lien” on the property – in addition to other enforcement mechanisms – to ensure you live in the home. The lien allows NACA to enforce its owner occupancy requirement. If you violate this requirement by not living in the home while you still have a NACA Mortgage, NACA will have the right to demand payment of $25,000 and force you to sell your property.

If at some point you decide to sell or refinance the home, you will need to contact NACA to obtain a release of the lien. This is a simple process. If all the conditions have been complied with, NACA will provide with a lien release without any charge to you. Also the occupancy requirement with NACA will no longer apply. These serious actions and remedies are in place to prevent the abuse of the NACA Mortgage.

Kristopher Fraley , Realtor

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 real estate agent in the DC, Maryland & Virginia area, 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 my team to help them obtain the best terms on a mortgage possible. I can be reached by emailing