Affordable Homeownership Program: No down payment. No closing costs, No fees, No mortgage insurance.
August 18, 2024 • 20 mins
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Angeanette Dowles. Homeownership is one of the critical aspects of the American Dream. However, that dream seems more like a fantasy than an attainable goal for many of us. Well, Angeanette Dowles of NACA is here to tell you that homeownership is achievable for all at an affordable rate too. For the rate of only a few months’ rent, people with even 420 credit scores you can purchase homes in the hundreds of thousands with little interest rates! It sounds too good to be true. Well, this is one time you’ll be happy to be wrong as it is just as good as it sounds.
With Americans facing skyrocketing rents and climbing interest rates, NACA provides the best affordable homeownership program for low to moderate-income individuals and people of color. Homebuyers will receive one-on-one counseling from a HUD Approved NACA Counselor during this event, and many will get a same-day qualification for NACA’s Mejor en América mortgage to begin their housing search. All NACA services are free of charge.
NACA has over $20 Billion for its unique mortgage, including $15 Billion from Bank of America. NACA’s Mejor en América Mortgage features no down payment, no closing costs, no fees, no mortgage insurance, and a below-market fixed interest rate. NACA is the nation’s largest HUD-approved nonprofit community advocacy and homeownership organization.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:05):
Welcome to the show.
Speaker 2 (00:06):
I'm Rashaan McDonald, the host of Money Making Conversations Masterclass,
where we encourage people to stop reading other people's success
stories and.
Speaker 1 (00:14):
Start planning their own. Listen up as I interview entrepreneurs from.
Speaker 2 (00:18):
Around the country, talk to celebrities and ask them how
they are running their companies, and speak with NOD profits
who are making a difference in their local communities. Now,
sit back and listen as we unlock the secrets to
their success on Money Making Conversations Masterclass.
Speaker 3 (00:35):
My next guest, this first time I'm talking to it
is the program I'm very familiar with. It's called NAKA,
the Neighborhood Assistance Corporation of America.
Speaker 1 (00:43):
Please welcome to the show. Andrewette Dowles. How are you doing? Aronette?
Speaker 4 (00:48):
Hi him, mister McDonald, Nice to meet you.
Speaker 1 (00:51):
Tell us about NACCA.
Speaker 4 (00:53):
I understand that the name of the show is Money
Making Conversation.
Speaker 1 (00:56):
Right, absolutely, thank you.
Speaker 4 (00:59):
So we're talking about money making conversation and that leads
into wealth building conversation, and that's what NACA is. It
is a wealth building, wealth generating tool here and so
we want to create generational wealth and NATHA allows people
to do that at its best. So Neighborhood Assistance Corporation
of America is an organization that is an advocacy organization's first.
(01:23):
We definitely provide access and I always talk about providing access,
awareness and change access because we we make you. We
give you access to the resources and tools to build
generational wealth though by purchasing a new home, modifying your
loan on a home, on a mortgage that is unaffordable,
(01:43):
to rehab rehabilitating your home through refinancing your home, and
if you're holding a Section eight voucher, turning that voucher
into a wealth generating tool because if you can afford to,
if that voucher can pay the landlord, that voucher can
pay your mortgage.
Speaker 1 (02:00):
Right there, the first stop right there.
Speaker 3 (02:02):
That's the part of the conversation that so many people
in Section eight feel, that's it. This is my life.
I can't you know, I'm gonna live it out like this.
My maybe even their family before they lived it out
like that. So you're saying, if you in Section eight
and they're paying rent, that that rent opportunity can become
a mortgage opportunity. If they come and sit down with
(02:23):
you and read the right and meet the right qualifications
at NACA.
Speaker 4 (02:27):
That's what you're saying, absolutely absolutely, and we're doing it.
We're doing it across the country. We're in virtually forty
seven plus cities across the country, and many of the
cities that we're working with the housing authority that have
the Section eight voucher programs when they come to through
the nack of Post program because we offer comprehensive counseling.
(02:47):
We are a Hood certified counseling agency. So when they
come through and they get the counseling and then they
have the voucher, we work with the city or county
wherever that voucher is held, and we work with them
to generate to transform that particular voucher. Let's say the
voucher will pay eight hundred dollars towards your rent. Well, god,
dogg it, you can pay eight hundred dollars towards your
(03:09):
mortgage and we will we will back that into a
mortgage and see how much house that can afford. So
we got people that are having fifteen, sixteen hundred dollars vouchers, Well,
got dogg it, you can actually pay a mortgage with that.
Am I right, I'm.
Speaker 1 (03:24):
Telling you right now.
Speaker 3 (03:25):
You got me excited because you know, you know, I
come from in the city, come from the hood, Houston, Texas.
Speaker 1 (03:33):
Father was fortune, he was truck driver, got us out of.
Speaker 3 (03:35):
The neighborhood, moved and I will moved from a two
bedroom shotgun house to a to a one bedroom chatgun
house to a two bedroom house and we're now. He
had nine kids and we did. We made it up
in Hoton, It happened in Houston, made it happen.
Speaker 4 (03:48):
I'm in Houston right where I live.
Speaker 3 (03:50):
And so so you have a I've grew up in
fifth Ford, so you know exactly where I'm at, where
I was.
Speaker 1 (03:55):
Born and raised.
Speaker 4 (03:55):
Oh, I'm making songs.
Speaker 1 (03:56):
I'm from the fofo absolutely.
Speaker 3 (03:58):
Now when we talk about opportunity. Reason I'm really excited
about your voice is that what you're saying is real
and it's happening on a in many cities around this country.
You say forty some cities, but people just don't know.
Why don't they know?
Speaker 4 (04:13):
Well, let me say it say it this way. What
your what your grandmama used to say? You want to
have something where we put it in a book. So
here's here's part of the reason why they don't know
because how we operate and how we maneuver out the community,
we literally depend on our own membership. So to be
(04:34):
part of of NACA, you are a member of NACA,
and membership has the privileges. Once you are a member
for the purchase program, Modify, Home, Save, whatever the program is,
you're a member for life. We advocate for you. We
do everything. But what we also do is participate our
advocacy and action team. We are our membership also are
(04:54):
our activists and we we we we serve on going
out and tail. So we have activists that are in
the community that once they go through the program, they
tell two or three people and so on and so on.
But what we found out is that the cornerstone in
the center of all of this is our parishioners, our pastors,
our ministerial alliances. So we do a lot of our
(05:16):
workshops in the churches because when you have heavy burden
and you're really laying down, where do you take it?
You take it to the rock? Am I right? So
we work with those We work with those churches and say,
when you have people that in your congregations is facing
hardships and things of that nature, bring them to NAKA.
If there's anything dealing with the rooftop under the roof,
you can bring them to NACA. And we are now
(05:38):
doing more advocacy to make sure that things that are
that are plaguing in your community outside of the home roads,
street lights, boarded up properties, isoores in the community, food
deserts and so on. We are taking those those fights
to the to Congress, to the city, to the state reps,
to our senators. We're taking that fight because guess what
(06:01):
when you show up little missus Mary Allen that lives
on the corner house with the crack house or the
boarded up house next to her, when she show up
to a city hall meeting, she's a voice of one.
But when you bring the knack of members and you're
showing up in two hundred and droves, they'll listen to
her power. There's number, there's there's power in numbers. So
we we are an advocacy organization first. But how why
(06:24):
people don't know about the program is because people think
it is too good to be true. Many know they
write their own declination letter, mister McDonald. And when you
write your own declination letter, you're blocking your blessing. Don't
do that. Don't do that. If there's nothing, are.
Speaker 1 (06:42):
You telling truth?
Speaker 3 (06:44):
You tell the truth, miss Doll, because you know that's
why I you know, I'm glad I'm talking to you
because it's a different boards other than Bruce, because I've
had I've had Bruce over several shows of mine, and
every time I get I get text for people.
Speaker 1 (06:57):
Is he tells the truth? Really really?
Speaker 3 (07:00):
Because you know, because we always we can get stereotype
or we can get mindset that this is how it
can only happen this way. And that really is why
I you know, I kind of repeat gas people all
say you had that person only a couple of months ago. Yes,
because I'm trying to let people know that that is reality.
It's an opportunity for you to participate. But if you
(07:22):
don't keep hearing it, you might blow it off and
you might be just some information you might need to
share with a friend or relative, but you didn't think
it was real because you didn't so get the information.
But if you hear it again and hear it again,
then you might pass that information or you might take
that information and that information can change your life. And
we're talking about the KNACKA program. I want to bring
a call on the line. She called in early. She's
(07:43):
a senior citizen, Miss Dows. She's a knocker homeowner and
she has a rated two point six and she has
some repair questions.
Speaker 1 (07:51):
So, Mi young, are you still on.
Speaker 3 (07:55):
Yes, Miss Dowell here the national director of KNAKA if
she I don't know if she can answer your question,
but I do know that you're in the program, and
she just said when you call, y'all respond, So please
ask your question.
Speaker 5 (08:08):
Okay, I heard you mentioned something about a rehab program,
and I'm wondering if that's something that i could take
advantage of in my situation. My house needs us repairs.
I am a senior and that I'll make a lot
of money, and refine would just throw me totally out
of the pocket because it would triple my mortgage. So
I'm trying to figure out a way to get these
repairs done.
Speaker 4 (08:29):
Absolutely. So what we have is a rehab program. So
our rehab program, you still come to a workshop or
you come to to get the comprehensive counseling and things
like that, and then we make a determination. Obviously, we're
going to look at values of the property and things
like that. And we're also going to look at three
things cold, safety, and help. We're going to see if
(08:49):
those repairs that need to happen in your home are
in need of repair due to cold, violations, safety, or
help due to It could be mold, it could be age,
it could be lit piped, different things, and based on
that will qualify you and get you qualified. Now I
heard you say fixed income. Do not let that stop you,
(09:10):
because guess what, fixed income is just as good as
any because we know what you're making every single month,
we know what you're bringing in. We just need to
sit down and counsel you on what's going out and
get to that sweet spot on how how this rehab
will work for you. But yes, ma'am, we will be
able to help you. We just everybody's situation is different.
But I hear you say fixed income. That's good because
(09:33):
you got steady income coming in regardless of the amount.
Speaker 5 (09:37):
Excellent. And how would I get more information on the program?
Speaker 4 (09:41):
Absolutely, let me give you that information. You can go
to our website at www dot NACA dot com. That's
www dot naca dot com.
Speaker 6 (09:49):
Wow, please don't go anywhere. We'll be right back with
more money Making Conversations Masterclass. Welcome back to the Money
Making Conversations Masterclass, hosted by Rashaan McDonald. Money Making Conversations
Masterclass continues online at Moneymakingconversations dot com and follow money
(10:12):
Making Conversations Masterclass on Facebook, Twitter and Instagram.
Speaker 5 (10:17):
Than thank you so much.
Speaker 1 (10:19):
I'm glad you called back now being couraged.
Speaker 3 (10:22):
One thing I'm going to let you know you are
you get me fired up?
Speaker 1 (10:28):
Is this just natural?
Speaker 3 (10:29):
I mean seriously, I'm enthused, and I know what I'm
walking into. You're just markus, my man. You know he
called Bruce calls in and he but I'm out to
tear Bruce.
Speaker 1 (10:39):
I got it.
Speaker 3 (10:40):
I'm trading him in for you. I'm trading. I'm trading
them in. I'm trading Bruce in.
Speaker 1 (10:45):
He's good. But I'm telling you something. You are an
inspiration and it's.
Speaker 3 (10:49):
Needed because so many people come to you, come to
this organization in this belief.
Speaker 1 (10:56):
They're down.
Speaker 3 (10:57):
They feel what they're asking for is an impossibility. There's
no hope, there's no plan of action. They've been told no,
they've they've felt, they they've the possibility of ownership even
is so remote, is so distant and that home ownership
can change a person's life.
Speaker 4 (11:15):
Correct, mister McDonald, you said it best. It is a
transforming it is a life changing home ownership. Let me
tell you something. I am originally from Louisiana and I
had a big mama, anima dear. And the one thing
I noticed about them all of them own, They own
their own home. Why is this? And it was more
(11:35):
difficult then? So why is this so hard for us
to do it? Now? We gravitate to renting and doing
that because we feel like or we think that no
one is going to help us, No one is going
to be able to come and save us. Home ownership
is not obtainable for me. And I want them to
shape that out of their minds. Take that negativity out,
shake it out, because there ain't nothing but the DEVI
(11:57):
of was talking.
Speaker 1 (11:57):
Let me tell you something.
Speaker 4 (11:59):
If we can go from Target to Walmart, to this
store to that store to save ten, fifteen to twenty
cent or save a dollar, we bargainshop all day, why
won't we put that same interest in same investment in us,
in our family, in our livelihood, our generational wealth. Leaving
something behind the one thing our our grandparents did. They
(12:21):
left things behind. That's why it get sad. It breaks
my heart when we sell in Big Mama's house and
we're selling Media's house. No hold on to it. The
wealth is in the land. That's where your wealth is.
You can send your children to college off that land
and still on the home to come through Maca. We
show you how to do that, over and over and
(12:43):
over again. We show you how to do this. It
is critically important that you understand that home ownership is
where it's at. And if you think you cannot afford
a home, and you think home ownership is not obtainable,
all you got to do is take one step, one step, call,
come wherever we are call or come and just try.
(13:06):
Nothing be to failure, butter try, just come and try.
We just closed on somebody in Naco, just closed for
twenty credit score for twenty and they got a four bedroom,
two and a half fast home. And if it's only
two years old. We don't tell you where to say.
(13:26):
You go out and pick. Once you get qualified, you peck.
You go house shopping like any other person would, and
you go and you shop for your dream home. Now,
guess what, it may not be your your your last stop,
but if it gets your foot in the door. Somebody
told me all I gotta do is get. If I
get the first half of my foot in, I'll wiggle.
(13:47):
That's all you need do. NACA can be that bridge.
That's the stuff you need. It doesn't have to be
the end to your end stell, but let it be
your beginning. No credit for recquirement, It has no nothing
to do with credit. What makes me understand why you
can pay one thousand dollars in rent and that can't
go towards your principal, interest, tax and insurance on a home.
(14:09):
Shake that off, Shake that negativity off. I'm talking to
the people who are sick and tired of being sick
and tired. I'm talking to the people who think that
this is their final step and no other hope it's
out there for them. I'm talking to the people who
know that their next half won't look like their baths
that their past half. I'm talking to the people who
tired of making a dollar out of fifteen cents. I'm
(14:30):
talking to the people who know that they're the head
not to tell. I'm talking to the people who know
that they're the Lenda never the bar nothings nothings didwals.
Speaker 3 (14:40):
Let me ask you this. Let me ask you this.
What is the experience that you're taking from city to city?
And how does one does one have to pay admission
to go to these conferences? How does that work? And
what is what's the experience? Is it a three day event,
a two day event?
Speaker 1 (14:55):
What is it?
Speaker 4 (14:56):
I'm going to tell you exactly what it is. It
is a day event, it's a four day event, and
what it is and all services are free. All services
are free, and we go from sun up to sundown.
We're there for you and you don't have to come
all four days. Don't get it twisted. It's not all
four days that you have to come. We try to
do two work days and two weekends. The reason why
(15:18):
we do that is to make it easy. Remember I
talked to you about access, bringing forth awareness access. Want
to make sure we give you access. Whether the people
are working on the weekday and off on the weekend,
we got your coverage. If you're working on the weekend
and off on the weekday, we got you coverage. So
that's why we spread it out for straight days and
sometimes we even do five.
Speaker 1 (15:39):
Wow. Now, so.
Speaker 3 (15:41):
When go get me about you know I'm stuttering because.
Speaker 1 (15:49):
People don't know.
Speaker 4 (15:50):
It sounds too good to be true, and.
Speaker 1 (15:51):
People don't know, and plus people don't know, and people
don't know, and.
Speaker 3 (15:56):
You know, all I want people to do is understand
the reality that.
Speaker 1 (16:03):
Change can be.
Speaker 3 (16:04):
Possible with effort. Like you said, if you don't try,
then you can't win. But more importantly the process is
that my father, my mother our first home.
Speaker 1 (16:16):
They owned it, you know, and they bought another home.
Speaker 3 (16:19):
So I at least had the mindset that I could
own a home because I saw them do it. And
I think that's what I'm trying to get an adult
to hear my voice and saying that you can't change
the mindset of your children if you don't try, you
can't change the mind because they'll feel that that's all
they can be, that's all they can live up to.
(16:39):
They don't know that they can actually have their front
yard in the backyard, you know that they can walk
out and live in the community with a better education
setting for them, and live a lifestyle. And then you
can see your property value go up and get equity
into that property, and then you can, like you said,
use that equity and fund your child's education.
Speaker 1 (17:00):
If they decide to go to college.
Speaker 3 (17:03):
That's what home ownership brings and and a lot of
people don't understand that, and it really eats away with me.
It eats at me because of the fact that my
whole goal is to provide information. And that's why your
your presence on the show is important, because if I
don't give this opportunity to everyday people that this program is.
Speaker 1 (17:24):
Available to him.
Speaker 3 (17:24):
Because I'm going to tell you I met Bruce on
another radio show I was doing, and I swear to
you I interviewed him. I hung up the phone and
I went, that ain't true. Ceriously, the people say here that,
well he was a good interview, but that none of
that's true. And then I interviewed him again, and then
(17:47):
I slowed down. I'm gonna just tell you something. I
slowed down and said, I started asking questions. So section eight,
I said, what are the fees?
Speaker 5 (17:53):
None?
Speaker 1 (17:55):
Okay? So so, well, how they get into the event free? Okay?
Speaker 3 (18:01):
Let me give me maybe here and out here in
the right trick question? So so so they go in?
So so where where the where where a trick move at?
Where a trick move at? Where they gonna get spun?
Around and they realize that they really gonna get They
checked tied up that they can't buy nothing. But but
but this little hole in the wall, that's not true.
That's you go you're qualified. You go out and pick
(18:24):
the home that you're qualified for.
Speaker 4 (18:26):
Mm hmm, that's right. And you know what the success
is On the website. We we allow our members to
go in and put their successes out there. It's not scripted.
They tell you the God, the God gospel truth. They
will tell you about their experience, good, bad, right or
wrong and indifferent. They will put it on our website.
(18:46):
So if you really want to know the real deal,
we don't. We don't craft that and script them and
cute it up and pretty it up. No, that's them
in front of their home. That's them telling their story.
That's them. And sometimes it's not always a great great thing.
Some of them. It takes a while. Some of them
have real life life is happening, and they'll put that
on there. It took me a year, but I'm here
(19:08):
here I am y'all. So always check the website out
at www dot NACA dot com because all of it
is out there. We have fifteen year, twenty year and
thirty year mortgages going at five point two five and
four point seventy five and five point two five. Guess
what you can buy down your interest rate to zero
presents virtually nothing. So we got a truck driver just
(19:31):
recently closed. He never thought he was going to own
a home. His boys were telling the man, they ain't
gonna give you no home any No, ain't nobody gonna
give you nothing. He earned it, it was his right.
He paid us off. Guess what all of them trying
to come over his house?
Speaker 6 (19:45):
Now?
Speaker 1 (19:49):
I love it.
Speaker 3 (19:50):
I love talking to you again. You're about to wrap
up the show. I want to thank you for coming
on the show. I want to thank you for providing hope,
but I only hope for reality. Again, Tell Bruce I
appreciate it. But his stand in is my regular end. Okay,
so you regular not til Bruce. I love him, but
I love miss Die Moore.
Speaker 1 (20:09):
Okay.
Speaker 3 (20:09):
Thank you for calling and telling us about the NACA
program is an amazing program. Please at ww dot NACA
dot com. Go there and check it out.
Speaker 2 (20:19):
This has been another edition of Moneymaking Conversation Masterclass hosted
by me Rushawn McDonald. Thank you to our guests. On
the show today and thank you listening to audience now.
If you want to listen to any episode I want
to be a guest on the show, visit Moneymakingconversations dot com.
Our social media handle is money Making Conversation. Join us
next week and remember to always leave with your gifts.
Speaker 1 (20:41):
Keep winning.
Welcome to the show.
Speaker 2 (00:06):
I'm Rashaan McDonald, the host of Money Making Conversations Masterclass,
where we encourage people to stop reading other people's success
stories and.
Speaker 1 (00:14):
Start planning their own. Listen up as I interview entrepreneurs from.
Speaker 2 (00:18):
Around the country, talk to celebrities and ask them how
they are running their companies, and speak with NOD profits
who are making a difference in their local communities. Now,
sit back and listen as we unlock the secrets to
their success on Money Making Conversations Masterclass.
Speaker 3 (00:35):
My next guest, this first time I'm talking to it
is the program I'm very familiar with. It's called NAKA,
the Neighborhood Assistance Corporation of America.
Speaker 1 (00:43):
Please welcome to the show. Andrewette Dowles. How are you doing? Aronette?
Speaker 4 (00:48):
Hi him, mister McDonald, Nice to meet you.
Speaker 1 (00:51):
Tell us about NACCA.
Speaker 4 (00:53):
I understand that the name of the show is Money
Making Conversation.
Speaker 1 (00:56):
Right, absolutely, thank you.
Speaker 4 (00:59):
So we're talking about money making conversation and that leads
into wealth building conversation, and that's what NACA is. It
is a wealth building, wealth generating tool here and so
we want to create generational wealth and NATHA allows people
to do that at its best. So Neighborhood Assistance Corporation
of America is an organization that is an advocacy organization's first.
(01:23):
We definitely provide access and I always talk about providing access,
awareness and change access because we we make you. We
give you access to the resources and tools to build
generational wealth though by purchasing a new home, modifying your
loan on a home, on a mortgage that is unaffordable,
(01:43):
to rehab rehabilitating your home through refinancing your home, and
if you're holding a Section eight voucher, turning that voucher
into a wealth generating tool because if you can afford to,
if that voucher can pay the landlord, that voucher can
pay your mortgage.
Speaker 1 (02:00):
Right there, the first stop right there.
Speaker 3 (02:02):
That's the part of the conversation that so many people
in Section eight feel, that's it. This is my life.
I can't you know, I'm gonna live it out like this.
My maybe even their family before they lived it out
like that. So you're saying, if you in Section eight
and they're paying rent, that that rent opportunity can become
a mortgage opportunity. If they come and sit down with
(02:23):
you and read the right and meet the right qualifications
at NACA.
Speaker 4 (02:27):
That's what you're saying, absolutely absolutely, and we're doing it.
We're doing it across the country. We're in virtually forty
seven plus cities across the country, and many of the
cities that we're working with the housing authority that have
the Section eight voucher programs when they come to through
the nack of Post program because we offer comprehensive counseling.
(02:47):
We are a Hood certified counseling agency. So when they
come through and they get the counseling and then they
have the voucher, we work with the city or county
wherever that voucher is held, and we work with them
to generate to transform that particular voucher. Let's say the
voucher will pay eight hundred dollars towards your rent. Well, god,
dogg it, you can pay eight hundred dollars towards your
(03:09):
mortgage and we will we will back that into a
mortgage and see how much house that can afford. So
we got people that are having fifteen, sixteen hundred dollars vouchers, Well,
got dogg it, you can actually pay a mortgage with that.
Am I right, I'm.
Speaker 1 (03:24):
Telling you right now.
Speaker 3 (03:25):
You got me excited because you know, you know, I
come from in the city, come from the hood, Houston, Texas.
Speaker 1 (03:33):
Father was fortune, he was truck driver, got us out of.
Speaker 3 (03:35):
The neighborhood, moved and I will moved from a two
bedroom shotgun house to a to a one bedroom chatgun
house to a two bedroom house and we're now. He
had nine kids and we did. We made it up
in Hoton, It happened in Houston, made it happen.
Speaker 4 (03:48):
I'm in Houston right where I live.
Speaker 3 (03:50):
And so so you have a I've grew up in
fifth Ford, so you know exactly where I'm at, where
I was.
Speaker 1 (03:55):
Born and raised.
Speaker 4 (03:55):
Oh, I'm making songs.
Speaker 1 (03:56):
I'm from the fofo absolutely.
Speaker 3 (03:58):
Now when we talk about opportunity. Reason I'm really excited
about your voice is that what you're saying is real
and it's happening on a in many cities around this country.
You say forty some cities, but people just don't know.
Why don't they know?
Speaker 4 (04:13):
Well, let me say it say it this way. What
your what your grandmama used to say? You want to
have something where we put it in a book. So
here's here's part of the reason why they don't know
because how we operate and how we maneuver out the community,
we literally depend on our own membership. So to be
(04:34):
part of of NACA, you are a member of NACA,
and membership has the privileges. Once you are a member
for the purchase program, Modify, Home, Save, whatever the program is,
you're a member for life. We advocate for you. We
do everything. But what we also do is participate our
advocacy and action team. We are our membership also are
(04:54):
our activists and we we we we serve on going
out and tail. So we have activists that are in
the community that once they go through the program, they
tell two or three people and so on and so on.
But what we found out is that the cornerstone in
the center of all of this is our parishioners, our pastors,
our ministerial alliances. So we do a lot of our
(05:16):
workshops in the churches because when you have heavy burden
and you're really laying down, where do you take it?
You take it to the rock? Am I right? So
we work with those We work with those churches and say,
when you have people that in your congregations is facing
hardships and things of that nature, bring them to NAKA.
If there's anything dealing with the rooftop under the roof,
you can bring them to NACA. And we are now
(05:38):
doing more advocacy to make sure that things that are
that are plaguing in your community outside of the home roads,
street lights, boarded up properties, isoores in the community, food
deserts and so on. We are taking those those fights
to the to Congress, to the city, to the state reps,
to our senators. We're taking that fight because guess what
(06:01):
when you show up little missus Mary Allen that lives
on the corner house with the crack house or the
boarded up house next to her, when she show up
to a city hall meeting, she's a voice of one.
But when you bring the knack of members and you're
showing up in two hundred and droves, they'll listen to
her power. There's number, there's there's power in numbers. So
we we are an advocacy organization first. But how why
(06:24):
people don't know about the program is because people think
it is too good to be true. Many know they
write their own declination letter, mister McDonald. And when you
write your own declination letter, you're blocking your blessing. Don't
do that. Don't do that. If there's nothing, are.
Speaker 1 (06:42):
You telling truth?
Speaker 3 (06:44):
You tell the truth, miss Doll, because you know that's
why I you know, I'm glad I'm talking to you
because it's a different boards other than Bruce, because I've
had I've had Bruce over several shows of mine, and
every time I get I get text for people.
Speaker 1 (06:57):
Is he tells the truth? Really really?
Speaker 3 (07:00):
Because you know, because we always we can get stereotype
or we can get mindset that this is how it
can only happen this way. And that really is why
I you know, I kind of repeat gas people all
say you had that person only a couple of months ago. Yes,
because I'm trying to let people know that that is reality.
It's an opportunity for you to participate. But if you
(07:22):
don't keep hearing it, you might blow it off and
you might be just some information you might need to
share with a friend or relative, but you didn't think
it was real because you didn't so get the information.
But if you hear it again and hear it again,
then you might pass that information or you might take
that information and that information can change your life. And
we're talking about the KNACKA program. I want to bring
a call on the line. She called in early. She's
(07:43):
a senior citizen, Miss Dows. She's a knocker homeowner and
she has a rated two point six and she has
some repair questions.
Speaker 1 (07:51):
So, Mi young, are you still on.
Speaker 3 (07:55):
Yes, Miss Dowell here the national director of KNAKA if
she I don't know if she can answer your question,
but I do know that you're in the program, and
she just said when you call, y'all respond, So please
ask your question.
Speaker 5 (08:08):
Okay, I heard you mentioned something about a rehab program,
and I'm wondering if that's something that i could take
advantage of in my situation. My house needs us repairs.
I am a senior and that I'll make a lot
of money, and refine would just throw me totally out
of the pocket because it would triple my mortgage. So
I'm trying to figure out a way to get these
repairs done.
Speaker 4 (08:29):
Absolutely. So what we have is a rehab program. So
our rehab program, you still come to a workshop or
you come to to get the comprehensive counseling and things
like that, and then we make a determination. Obviously, we're
going to look at values of the property and things
like that. And we're also going to look at three
things cold, safety, and help. We're going to see if
(08:49):
those repairs that need to happen in your home are
in need of repair due to cold, violations, safety, or
help due to It could be mold, it could be age,
it could be lit piped, different things, and based on
that will qualify you and get you qualified. Now I
heard you say fixed income. Do not let that stop you,
(09:10):
because guess what, fixed income is just as good as
any because we know what you're making every single month,
we know what you're bringing in. We just need to
sit down and counsel you on what's going out and
get to that sweet spot on how how this rehab
will work for you. But yes, ma'am, we will be
able to help you. We just everybody's situation is different.
But I hear you say fixed income. That's good because
(09:33):
you got steady income coming in regardless of the amount.
Speaker 5 (09:37):
Excellent. And how would I get more information on the program?
Speaker 4 (09:41):
Absolutely, let me give you that information. You can go
to our website at www dot NACA dot com. That's
www dot naca dot com.
Speaker 6 (09:49):
Wow, please don't go anywhere. We'll be right back with
more money Making Conversations Masterclass. Welcome back to the Money
Making Conversations Masterclass, hosted by Rashaan McDonald. Money Making Conversations
Masterclass continues online at Moneymakingconversations dot com and follow money
(10:12):
Making Conversations Masterclass on Facebook, Twitter and Instagram.
Speaker 5 (10:17):
Than thank you so much.
Speaker 1 (10:19):
I'm glad you called back now being couraged.
Speaker 3 (10:22):
One thing I'm going to let you know you are
you get me fired up?
Speaker 1 (10:28):
Is this just natural?
Speaker 3 (10:29):
I mean seriously, I'm enthused, and I know what I'm
walking into. You're just markus, my man. You know he
called Bruce calls in and he but I'm out to
tear Bruce.
Speaker 1 (10:39):
I got it.
Speaker 3 (10:40):
I'm trading him in for you. I'm trading. I'm trading
them in. I'm trading Bruce in.
Speaker 1 (10:45):
He's good. But I'm telling you something. You are an
inspiration and it's.
Speaker 3 (10:49):
Needed because so many people come to you, come to
this organization in this belief.
Speaker 1 (10:56):
They're down.
Speaker 3 (10:57):
They feel what they're asking for is an impossibility. There's
no hope, there's no plan of action. They've been told no,
they've they've felt, they they've the possibility of ownership even
is so remote, is so distant and that home ownership
can change a person's life.
Speaker 4 (11:15):
Correct, mister McDonald, you said it best. It is a
transforming it is a life changing home ownership. Let me
tell you something. I am originally from Louisiana and I
had a big mama, anima dear. And the one thing
I noticed about them all of them own, They own
their own home. Why is this? And it was more
(11:35):
difficult then? So why is this so hard for us
to do it? Now? We gravitate to renting and doing
that because we feel like or we think that no
one is going to help us, No one is going
to be able to come and save us. Home ownership
is not obtainable for me. And I want them to
shape that out of their minds. Take that negativity out,
shake it out, because there ain't nothing but the DEVI
(11:57):
of was talking.
Speaker 1 (11:57):
Let me tell you something.
Speaker 4 (11:59):
If we can go from Target to Walmart, to this
store to that store to save ten, fifteen to twenty
cent or save a dollar, we bargainshop all day, why
won't we put that same interest in same investment in us,
in our family, in our livelihood, our generational wealth. Leaving
something behind the one thing our our grandparents did. They
(12:21):
left things behind. That's why it get sad. It breaks
my heart when we sell in Big Mama's house and
we're selling Media's house. No hold on to it. The
wealth is in the land. That's where your wealth is.
You can send your children to college off that land
and still on the home to come through Maca. We
show you how to do that, over and over and
(12:43):
over again. We show you how to do this. It
is critically important that you understand that home ownership is
where it's at. And if you think you cannot afford
a home, and you think home ownership is not obtainable,
all you got to do is take one step, one step, call,
come wherever we are call or come and just try.
(13:06):
Nothing be to failure, butter try, just come and try.
We just closed on somebody in Naco, just closed for
twenty credit score for twenty and they got a four bedroom,
two and a half fast home. And if it's only
two years old. We don't tell you where to say.
(13:26):
You go out and pick. Once you get qualified, you peck.
You go house shopping like any other person would, and
you go and you shop for your dream home. Now,
guess what, it may not be your your your last stop,
but if it gets your foot in the door. Somebody
told me all I gotta do is get. If I
get the first half of my foot in, I'll wiggle.
(13:47):
That's all you need do. NACA can be that bridge.
That's the stuff you need. It doesn't have to be
the end to your end stell, but let it be
your beginning. No credit for recquirement, It has no nothing
to do with credit. What makes me understand why you
can pay one thousand dollars in rent and that can't
go towards your principal, interest, tax and insurance on a home.
(14:09):
Shake that off, Shake that negativity off. I'm talking to
the people who are sick and tired of being sick
and tired. I'm talking to the people who think that
this is their final step and no other hope it's
out there for them. I'm talking to the people who
know that their next half won't look like their baths
that their past half. I'm talking to the people who
tired of making a dollar out of fifteen cents. I'm
(14:30):
talking to the people who know that they're the head
not to tell. I'm talking to the people who know
that they're the Lenda never the bar nothings nothings didwals.
Speaker 3 (14:40):
Let me ask you this. Let me ask you this.
What is the experience that you're taking from city to city?
And how does one does one have to pay admission
to go to these conferences? How does that work? And
what is what's the experience? Is it a three day event,
a two day event?
Speaker 1 (14:55):
What is it?
Speaker 4 (14:56):
I'm going to tell you exactly what it is. It
is a day event, it's a four day event, and
what it is and all services are free. All services
are free, and we go from sun up to sundown.
We're there for you and you don't have to come
all four days. Don't get it twisted. It's not all
four days that you have to come. We try to
do two work days and two weekends. The reason why
(15:18):
we do that is to make it easy. Remember I
talked to you about access, bringing forth awareness access. Want
to make sure we give you access. Whether the people
are working on the weekday and off on the weekend,
we got your coverage. If you're working on the weekend
and off on the weekday, we got you coverage. So
that's why we spread it out for straight days and
sometimes we even do five.
Speaker 1 (15:39):
Wow. Now, so.
Speaker 3 (15:41):
When go get me about you know I'm stuttering because.
Speaker 1 (15:49):
People don't know.
Speaker 4 (15:50):
It sounds too good to be true, and.
Speaker 1 (15:51):
People don't know, and plus people don't know, and people
don't know, and.
Speaker 3 (15:56):
You know, all I want people to do is understand
the reality that.
Speaker 1 (16:03):
Change can be.
Speaker 3 (16:04):
Possible with effort. Like you said, if you don't try,
then you can't win. But more importantly the process is
that my father, my mother our first home.
Speaker 1 (16:16):
They owned it, you know, and they bought another home.
Speaker 3 (16:19):
So I at least had the mindset that I could
own a home because I saw them do it. And
I think that's what I'm trying to get an adult
to hear my voice and saying that you can't change
the mindset of your children if you don't try, you
can't change the mind because they'll feel that that's all
they can be, that's all they can live up to.
(16:39):
They don't know that they can actually have their front
yard in the backyard, you know that they can walk
out and live in the community with a better education
setting for them, and live a lifestyle. And then you
can see your property value go up and get equity
into that property, and then you can, like you said,
use that equity and fund your child's education.
Speaker 1 (17:00):
If they decide to go to college.
Speaker 3 (17:03):
That's what home ownership brings and and a lot of
people don't understand that, and it really eats away with me.
It eats at me because of the fact that my
whole goal is to provide information. And that's why your
your presence on the show is important, because if I
don't give this opportunity to everyday people that this program is.
Speaker 1 (17:24):
Available to him.
Speaker 3 (17:24):
Because I'm going to tell you I met Bruce on
another radio show I was doing, and I swear to
you I interviewed him. I hung up the phone and
I went, that ain't true. Ceriously, the people say here that,
well he was a good interview, but that none of
that's true. And then I interviewed him again, and then
(17:47):
I slowed down. I'm gonna just tell you something. I
slowed down and said, I started asking questions. So section eight,
I said, what are the fees?
Speaker 5 (17:53):
None?
Speaker 1 (17:55):
Okay? So so, well, how they get into the event free? Okay?
Speaker 3 (18:01):
Let me give me maybe here and out here in
the right trick question? So so so they go in?
So so where where the where where a trick move at?
Where a trick move at? Where they gonna get spun?
Around and they realize that they really gonna get They
checked tied up that they can't buy nothing. But but
but this little hole in the wall, that's not true.
That's you go you're qualified. You go out and pick
(18:24):
the home that you're qualified for.
Speaker 4 (18:26):
Mm hmm, that's right. And you know what the success
is On the website. We we allow our members to
go in and put their successes out there. It's not scripted.
They tell you the God, the God gospel truth. They
will tell you about their experience, good, bad, right or
wrong and indifferent. They will put it on our website.
(18:46):
So if you really want to know the real deal,
we don't. We don't craft that and script them and
cute it up and pretty it up. No, that's them
in front of their home. That's them telling their story.
That's them. And sometimes it's not always a great great thing.
Some of them. It takes a while. Some of them
have real life life is happening, and they'll put that
on there. It took me a year, but I'm here
(19:08):
here I am y'all. So always check the website out
at www dot NACA dot com because all of it
is out there. We have fifteen year, twenty year and
thirty year mortgages going at five point two five and
four point seventy five and five point two five. Guess
what you can buy down your interest rate to zero
presents virtually nothing. So we got a truck driver just
(19:31):
recently closed. He never thought he was going to own
a home. His boys were telling the man, they ain't
gonna give you no home any No, ain't nobody gonna
give you nothing. He earned it, it was his right.
He paid us off. Guess what all of them trying
to come over his house?
Speaker 6 (19:45):
Now?
Speaker 1 (19:49):
I love it.
Speaker 3 (19:50):
I love talking to you again. You're about to wrap
up the show. I want to thank you for coming
on the show. I want to thank you for providing hope,
but I only hope for reality. Again, Tell Bruce I
appreciate it. But his stand in is my regular end. Okay,
so you regular not til Bruce. I love him, but
I love miss Die Moore.
Speaker 1 (20:09):
Okay.
Speaker 3 (20:09):
Thank you for calling and telling us about the NACA
program is an amazing program. Please at ww dot NACA
dot com. Go there and check it out.
Speaker 2 (20:19):
This has been another edition of Moneymaking Conversation Masterclass hosted
by me Rushawn McDonald. Thank you to our guests. On
the show today and thank you listening to audience now.
If you want to listen to any episode I want
to be a guest on the show, visit Moneymakingconversations dot com.
Our social media handle is money Making Conversation. Join us
next week and remember to always leave with your gifts.
Speaker 1 (20:41):
Keep winning.
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