I didnt need NACA, but when i bought in 2008 they were the best deal around for rates vs 20% down and I loved that I could keep my money in investments. The people there were somewhat slower and inexperienced, the process took extra time especially paperwork and the class. Overall, it was worth it for me and I have to think if you didn't have the credit scores or money down it would be even better for those that are stuck renting and paying a premium to owners.