If you choose not to use NACA that is fine, but you really need to educate yourself before you get on here badmouthing NACA.
As a realtor, I have seen what this market has done to so many hardworking families, including myself. NACA has been the ONLY organization I have seen that has been in the forefront of the fight for homeowners. I attended a Save the Dream Event as well as marched the halls of Congress with NACA's founder, Bruce Marks to take the case of the people straight to our government.
If you had done your research, you would see the formula that NACA uses to determine an affordable mortgage was the foundation that the government used to come up with the MHAP. Not only does Bruce Marks gets results from most of the top lenders, he has garned the respect of top leaders including FDIC Chairman, Sheila Bair who also taken on his cause and has been an advocate for homeowners, and was at the NACA event.
As a result of NACA advocacy, many congressman have asked NACA to conduct "Save the Dream" events in their cities, hence this new tour that NACA is conducting.
Before you suggest impropriety you should do your homework, and not discourage people from using a really great organization that has saved a lot of homes, including mine! How are you, maybe you are the conspiracy! I am not saying that NACA is perfect, that mistakes won't happen along the way, a file won't get lost, a call might not be returned, but rest assured NO other organization is out here working on homeowners behalf, at NO cost to the homeowner, and delivering results that lenders won't make voluntarily.
Of course, with the implementation of MAHP, some who might not get the terms that others received, but overall I haven't seen anyone get a better modification on their or through a lawyer than what NACA has delivered. If some of us would pull back the overchecking, unnecessary phone calls, it may help NACA service the hundreds of thousands who are seeking their assistance in a more timely manner, but of course we have to be in control of things, and constantly call, start multiple mods and slow the process up even further. I waited 8 months on my mod, and of course, I was nervous, anxious and had every other emotion that all of us have during a stressful time, but try to remain calm, verify that NACA has your file, that it's been submitted, then let up with the need to no every detail of your case, every second of the day.
I will take NACA anyday over anything you might have to offer (although I haven't see you suggest another avenue to use). I personally know of many families that NACA helped, and I will continue to refer people to NACA any day or rather than trying to get a commission for a short sale like so many other agents are doing. I want nothing more than to see people be able to keep their homes, using any avenue they have to rather it's NACA, a lawyer, lender or other nonprofit agency.
2% fixed for remainder of loan and truly grateful to NACA and will continue to support them anyway I can!