As such, our Purchase program has thousands of applicants all over the country and each of our Mortgage Consultants carries a heavy caseload.  Combined with the fact that the NACA program is designed to make sure things are done the right way instead of the hurried and haphazard way that created the mortgage bubble to begin with, the process can be slow.  Some people do get impatient and start complaining.  But I’ve never heard of anyone complain about the tens of thousands of dollars they save over the life of the loan once they are in their new home.  Patience is extremely valuable in this process. Literally.

Even so, we are continually looking for new ways of making the process more efficient.  Many of our offices are expanding their staff size, but training and licensing requirements make that anything but an overnight process.  We have also implemented a remote counseling program to help reduce the backlog in our busiest offices but even that will take time to help break up the log jam appreciably.

The Home Save program is equally as overburdened.  Almost without exception, very person who comes to the Home Save program has tried and failed on their own to work with their bank to get a modification. Yet our program has an 80% success rate because of NACA’s 24-year history of relentless activism led by Bruce Marks and the legally binding agreements with the major lenders resulting from that advocacy.

If you wish to be critical of the supporters we have in the political arena, you will have to include not just Barney Frank, but Mayor Antonio Villaraigosa of Los Angeles, Rep. Corrine Brown and former Rep. Alan Grayson of Florida and Rep. Marcia Fudge of Ohio among others.  The list even includes Rep. John Lewis of Georgia, who stood beside and spoke on the steps of the Lincoln Memorial along with Dr. King when he delivered the “I Have A Dream” speech on August 28, 1963.
 
Were the nation’s mortgage process and especially the current mortgage crisis already not so heavily politicized, we wouldn’t have to be concerned with having supporters in the halls of Congress and in other elected positions.

The bottom line is that any individual or group of individuals trying to make a real difference and benefit others will always face opposition, almost always from the unenlightened.  NACA has never claimed to be perfect, but both our Purchase and Home Save programs DO WORK.  And I challenge you to look any NACA staff member in the eye and claim they “do not give a rip about the people they are supposedly helping.” Take the time to learn about our people who spend weeks at a time away from their own homes and families to travel the country helping other families in danger of losing their homes through no fault of their own, and the counselors who routinely put in 12 to 14 hour days to help others buy a home without falling victim to the financial predators who caused the biggest economic crisis since the Great Depression and you’ll see what NACA is really all about.

Perhaps her son is acting out simply because his father was a complete failure and his mother just did the best she could.  If he is abusive, then someone should do an intervention before he is arrested for murder. 

If any institution, agency or individual urged women to remain chaste/virgins until they married, they would be laughed out of the room, humiliated, insulted and the list goes on.  However, most women know that if they had limited their sexual activities with someone responsible, someone they were had taken the time to know and be married to there would be a small number of single mothers.  Of course, young men would have to be socialized and trained to not have sex with anything that moves, to be morally responsible and to understand what someone else does and says is just that — someone else claiming to do this or that. 

One of our greatest issues is that most African Americans live a desire based lifestyle.  For whatever reasons, very few of us have patience, plan ahead (way ahead) and regard our sexuality on a high level.  Society, ‘The Man”, Racism, whatever has given most of us permission to be immoral less than human beings where women can dress but be naked, men can have numerous children without the benefit of marriage, anyone can sing or rhyme about their sexual preferences, activities and escapades and it is ok. 

update.