# NACA > Non-profit organization offers no down payment, no closing costs, and below-market fixed rates for homebuyers. The process involves financial education and personalized counseling, requiring effort but aiming to make homeownership affordable and fair. Character-based lending and advocacy for fair practices distinguish its approach. Source: https://www.atly.com/location/NACA13 - Address: 11 E Mt Royal Ave, Baltimore, Maryland, United States - Phone: +14107830465 - Website: https://www.naca.com/ ## What it is good for - Affordable — 10/10 ## What people say - "It's an affordable path to homeownership with no down payment." ## Good to know - The NACA program offers no down payment and no closing costs for homebuyers. - Homebuyers can benefit from below-market fixed rates through the NACA program. - NACA provides personalized counseling to prepare buyers for homeownership. - NACA has no hidden fees, making it a transparent option for mortgages. - Workshops are available to provide essential financial knowledge to buyers. ## Get this data directly This page comes from the Atly Places API, which scores close to 2 million places against more than 1,400 intents — "nice view", "work friendly", "gluten free", "dog friendly" — from what real reviewers say, with the statements behind every score. - **MCP server:** `https://agentic-api.atly.com/mcp` — connect it in ChatGPT or Claude. Nothing to install. - **Guide for agents:** - **OpenAPI contract:** - **No key needed to start.** `POST https://agentic-api.atly.com/v0/keys` with an email raises the quota. Coverage is densest in the United States, with pockets in Mexico, Israel and Thailand.