Consumer complaint received 08-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Neighborhood Assistance Corporation of America ("NACA") (MA).
Issue: Loan modification,collection,foreclosure

Complaint: HelloIn XX/XX/XXXX I have saved up a good chunk of money. I was working towards purchasing a home ; I met a counselor at a XXXX. I asked if he knew a good real estate, and he sent me To Exit realty, I met with the realtor than he sent me to NACA which stands for ( Neighborhood Association Corporation of America ) and they are located in XXXX plain In XXXX. He made an appointment for me to meet with the counselor at the NACA office, after couple counseling section XXXX preaching meeting where the CEO XXXX XXXX was preaching all the good things to persuade and encourage one to buy. When I give them all my paper work the whole process took me 3 months to get my home. NACA organization is not what is claim to be if you read to their website or going to XXXX of their meeting and meet with their counselor you get one story at the end you get hit with a lots surprises and false promises and you are on your own, also you get different paper work that contradicts all their counselor section and I was even on the Meeting where The CEO was given a speech about how NACA is all about helping homeowners from start to the end, what a lie I wonder if you can sleep good at night or if you have conscience. DO N'T WASTE YOUR TIME WITH THESE LAIRS. I purchased my house through them I 'm sick, sad and depressed of everything they put me through and I 'm still going through, It 's suppose to be a program that helps you with the start to finish and even costing you NOTHING, they took a lots of money from me which I will tell you later, and the seller have paid XXXX towards my closing cost also XXXX have paid some kind of credit almost XXXX not to mention the money they took on top of my loan to do the work in the house, which they did n't do a good job, and they decide who 's the contractor going to be and what is the work needed. Also I have proof to back up my complaint. The complaint is so much that I would need 8 years, to tell America what NACA together with XXXX XXXX XXXX being doing to me for the past 8 years until present. They tried to foreclose me in XX/XX/XXXX, and I put up a fight they gave me another bad loan and now they are trying to foreclosed me again. I worked for the past 8 years for this house, I spent all my money to fix this house to get it in shape so I can get some income to help me raised my kids finish my college, so I can give my girls a better life and be able to put some money on the side for college or even rainy day. even they website says it suppose to cost you XXXX ( XXXX ) money, I being paying XXXX every month for 8 years, and it 's supposed to help me in case I followed behind, or I need it any help with the house, another lie, I have Proof that I being trying to get some assistance from them since XX/XX/XXXX when I get my payment coupon which the monthly payment was higher than what I was told. 
Be Aware, if you already purchased your home good luck I hope you had your lawyer, and I wish you had better experiences than me. I was told the lawyer was to represent me and I believed them, since I being having problems I being learning how bad they this program and it 's Peoples are. Please guys do n't make the same mistake that I did, please read the complaints and research before, please ; please do n't sign any papers if you do n't have a lawyer. Those of you that bought a house through NACA Check your paper work go to your town Deeds Office and ask for all the paper work from your property and matched to what they gave you at your closing. Thank you for taking the time to read my complaint please let others know.

Company response to consumer: Closed with explanation