Z – Economic Justice Through Home Ownership

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


Protecting buyers and saving them thousands in the DC-District Of Columbia/MD-Maryland/VA-Virginia metropolitan area for over a decade.

People focused. Results driven.

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.

Experience. Knowledge. Results.

Kristopher Fraley & his team 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 me to become a licensed 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.

Search. Buy. New Memories.

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!

Hard Money. Invest. Range Of Return.

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, lender pays appraisal, and absolutely no bogus fees!

The Best NACA Home Buying Resource for DC, MD, VA
When you work with us, you get more than a single realtor.


Email: kris@no-downpayment.com

View Kris’s post on the NACA FORUM

NACA Program Eligibility Requirements

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 – Full Review Here

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!
Ms. Goin & Her Son – Full Review Here

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.
The Murray Family – Full Review Here

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

Abell, Aberdeen, Abingdon, Accokeek, Adamstown, Adamstown, Adelphi, Aldie, Alexandria, Amissville, Andrews Air Force Base, Annandale, Annapolis, Aquasco, Annapolis Junction, Anne Arundel County, Arlington, Arlington County, Arlington Va, Arnold, Aroda, Ashburn, Ashton, Augusta Avenue, Baker, Baldwin, Ballenger Creek, Baltimore, Baltimore City, Barboursville, Barnesville, Basye, Bealeton, Beaverdam, Beallsville, Bel Air, Bel Alton, Beltsville, Benedict, Bentonville, Berkeley Springs, Berlin, Berryville, Berwyn Heights, Bethesda, Betterton, Big Cove, Tannery, Big Pool, Bladensburg, Bloomery, Bluemont, Boonsboro, Bowie, Boyce, Boyds, Bozman, Brandy Station, Brandywine, Breezewood Brentwood, Brinklow, Bristow, Broad Run, Broadlands, Brookeville, Broomes Island, Brunswick, Bryans Road, Bryantown, Buckeystown, Bumpass, Bunker Hill, Burke Burlington, Burtonsville, Bushwood, Cabin John, Cabins, California, Callaway, Cambridge, Capitol Heights, Capon Bridge, Cascade, Castleton, Catharpin, Catharpin, Catlett, Catonsville, Cecilton, Centreville, Chantilly, Chaptico, Charlestown, Charles County, Charlotte Hall, Cheltenham, Chesapeake Beach, Chesapeake City, Chester, Gap, Chestertown, Chestnut Hill Cove, Cheverly, Chevy Chase, Church Hill, Churchton, Churchville, Clarksburg, Clarksville, Clear Brook, Clear Spring, Clifton, Clinton, Clover Hil,l Cloverly, Cobb Island, Cockeysville, College Park, Colesville, Colora, Columbia, Conowingo, Cooksville, Cordova, Corriganville, Crapo, Cresaptown, Crisfield, Crofton, Cross Junction, Crownsville, Crumpton, Culpeper, Cumberland, Damascus, Dameron, Darlington, Darnestown, Davidsonville, Dayton, Deale, Delaplane, Delmar, Delray, Denton, Derwood, Dickerson, District Heights, Dowell, Drayden, Dumfries, Dundalk, Dunkirk, Dunn Loring, Earleville East, New Market, Easton, Edgewater, Edgewood, Edinburg, Eldersburg, Elkridge, Elkton, Elkwood, Ellerslie, Ellicott City, Emmitsburg, Essex, Fairfax, Fairfax County, Fairfax Station, Fairmount Heights, Fairplay, Falling Waters, Falls Church, Fallston, Falmouth, Faulkner, Federalsburg, Finksburg, Fishing Creek, Flint Hill, Flintstone, Forest Glen, Forest Hill, Fort Ashby, Fort Belvoir, Fort Littleton, Fort Meade, Fort Valley, Fort Washington, Frederick, Frederick County, Fredericksburg, Freeland, Friendship, Friendsville, Front Royal, Frostburg, Fruitland, Fulton, Gainesville, Gaithersburg, Galena, Galesville, Gambrills, Garrett Park, Garrison, Germantown, Gerrardstown, Gibson Island, Glen Arm, Glen Burnie, Glen Echo, Glenarden, Glenelg, Glenmont, Glenn Dale, Glenwood, Glyndon, Goldsboro, Goldvein, Gordonsville, Grantsville, Grasonville, Great Cacapon, Great Falls, Great Mills, Green Spring, Greenbelt, Greensboro, Greenway, Gwynn Oak, Hagerstown, Halethorpe, Hamilton, Hampstead, Hancock, Hanover, Harmans, Harrisonville, Harwood, Havre De Grace, Haymarket, Hedgesville, Henderson, Herndon, High View, Highland, Hollywood, Hughesville, Howard County, Hume, Huntingtown, Huntly Hurlock, Hyattsville, Idlewylde, Ijamsville, Indian Head, Inwood, Ironsides Issue, Jarrettsville, Jefferson, Jeffersonton, Jessup, Joppa, Kearneysville, Keedysville, Kennedyville, Kensington, Kentlands, Keymar, Kingsville, Knoxville, La Plata, Lake Frederick, Landover, Lanham, Largo, Lavale, Laytonsville, Leesburg, Leisure World, Leon, Leonardtown, Lexington Park, Lignum, Libertytown, Linden, Linthicum, Linthicum Heights, Locust Grove, Lonaconing, Lorton, Lost City, Lost River, Lothian, Loudoun County, Lovettsville, Lusby, Lutherville, Timonium, Madison, Manassas, Manchester, Marbury, Markham, Marriottsville, Marshall, Martinsburg, Marydel, Mathias, Maugansville, Maurertown, Maysville, Mayo,  McLean, Mcdaniel, Mechanicsville, Merrifield, Middle River, Middleburg, Middletown, Midland, Millers, Millersville, Millington, Mineral, Mitchells, Mitchellville, Monkton, Monrovia, Montgomery Village, Montgomery County, Moorefield, Mount Airy, Mount Jackson, Mount Rainier, Mount Savage, Mount Storm, Mount Vernon, Mount Victoria, Myersville, Nanjemoy, National Harbor, Neavitt, Needmore, New Carrollton, New Creek, New Market, New London, New Windsor, Newburg, Nokesville, Newington, Nokesville, North Beach, North Bethesda, North East, North Potomac, Nottingham, Oak Hill, Oakland, Oakton, Occoquan, Ocean City, Ocean Pines, Odenton, Old Fields, Oldtown, Olney, Owings Mills, Oxford, Oxon Hill, Paeonian Springs, Paris Park Hall, Parkton, Parkville, Partlow, Pasadena, Paw Paw, Perry Hall, Perryville, Petersburg, Phoenix, Pikesville, Piney Point, Point of Rocks, Points, Pomfret, Poolesville, Port Deposit, Port Republic, Port Tobacco, Potomac, Potomac Falls, Preston, Prince Frederick, Prince Georges County, Prince William County, Princess Anne, Purcellville, Purgitsville, Pylesville, Quantico, Queen Anne, Queenstown, Quicksburg, Randallstown, Rapidan, Rawlings, Reisterstown, Remington Reston, Reston, Reva, Rhoadesville, Richardsville, Ridge, Ridgeley, Ridgely, Rileyville, Rio, Rising Sun, Riva Riva, Riverdale, Rixeyville, Rochelle, Rock Hall, Rock Point, Rockville, Rohrersville, Romney, Rosedale, Round Hill, Royal Oak, Sabillasville, Saint Inigoes, Saint Leonard, Saint Michaels, Salisbury, Sandy Spring, Savage, Scotland, Severn, Severna Park, Shady Side, Sharpsburg, Shenandoah, Sherwood, Silver Spring, Slanesville, Simpsonville, Smithsburg, Solomons, Somerset, Sparks, Glencoe, Sparrows Point, Spencerville, Sperryville, Spotsylvania, Springdale, Springfield, Saint Leonard, Saint Michaels, Stafford, Stanley Star, Tannery, Stephens City, Stephenson, Sterling, Stevensville, Still Pond, Stoney Beach, Strasburg Street, Sudlersville, Suitland, Sumerduck, Sunderland, Swan Point, Swanton, Sykesville, Takoma Park, Tall Timbers, Taneytown, Taylors Island, Temple Hills, The Plains, Thurmont, Tilghman, Toddville, Toms Brook, Towson, Tracys Landing, Trappe, Triangle, Union Bridge, Unionville, Upper Marlboro, Upperco, Upperville, Urbana, Vienna, Waldorf, Walkersville, Wardensville, Warfordsburg, Warrenton, Warwick, Washington, Washington DC, Washington Grove, Waterford, West Friendship, West River, West McLean, West Minister, West River, Westernport, Westminster, White Hall, Wheaton, White Marsh, White Oak, White Plains, White Post, Whiteford, Williamsport, Winchester, Windsor Mill, Wittman, Woodbine, Woodbridge, Woodford, Woodsboro, Woodstock, Woodville, Woolford, Worton, Wye Mills, Yellow Spring