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Imagine purchasing a home from the DMV or the social services office. That is NACA. At the beginning, they will tell you that how long it takes to get NACA qualified depends on you. If you simply give them all requested documents, they say, you will not have the same problems that 99% of people have.
And so you will upload all requested documents to your file before your first meeting. Only to have the counselor tell you that you need additional documents. But don't worry, he'll say, you'll be qualified in a week or two. As soon as you get home, you upload the documents. You figure you are ready to go. You email the counselor, telling him you've submitted all requested documents and asking him to submit your file to underwriting for approval. You get no response. You follow up. No response. Finally, after many emails, the counselor responds, saying that he is too busy to work on your file unless you are physically sitting before him watching him work. You must schedule an appointment.
The next appointment is not for two months. All the while, you are submitting updated documents as you've been told. You show up for your appointment, thinking that the counselor will finally submit your file as he said he would. After an hour of watching your counselor type on the computer, he hands you a list of additional documents you need and schedules you for another appointment. You ask if you can just upload the documents to your file and have him submit the file without you coming back for another appointment. In a roundabout polite way, you try to explain that you actually have a job and coming to the NACA office in the middle of the day isn't it. Fine, your counselor says, and he schedules you for a phone appointment next week.
On the day of your phone appointment you do not hear from your counselor. You call him multiple times but get voicemail. You then send numerous emails following up. Finally, he emails you back stating that you must come in and watch him work on your file. He schedules you for an appointment a month away.
Your appointment is the same as the last. You watch him work. But at the end, he tells you he will submit your file at the end of the week. Yes, finally! you think. You go home and look at homes on the internet. At the end of the week, you follow up and...nothing. You continue to write follow-up emails, straining to be polite. Then, a couple weeks later, you get an email stating that your counselor is no longer with NACA and that you must make an appointment with your new counselor. The next available appointment is a month away, smack in the middle of your work day.
You call out sick and go to meet your new counselor. After watching her type on the computer for an hour, she gives you a list of items that you need to submit. You explain that your first counselor did not ask for these items. You explain that your first counselor said he was submitting your file and quit/was fired right before he could. Your new counselor does not care. "We told you at the beginning this was a rigorous process, she says.
You wonder about the word "rigorous." The word suggests that you are somehow benefiting, growing stronger, from the "rigor" of the NACA process. It also suggests that you have some control over the situation. If you meet the challenge with the proper rigor, you will reach the top of the mountain. However, this whole NACA process has been completely out of your control. There was absolutely nothing you could have done to make things go more quickly, more smoothly. You have not benefited. Rather, you have suffered needlessly, wasting hours and hours of your life and risking your job by calling out sick for appointments.
It occurs to you that instead of wasting all this time with NACA, you could have taken a second or third job and by now made enough money for the down payment NACA was going to help you with. You might already have a house. But you are invested. You've spent countless hours trying to get qualified (only the first step in the process) and gosh darnit you're not going to give up now. You go home, and for the next three years of your life you upload every vaguely important document from your life to NACA's website.
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