I've been looking for a house for a couple of years now and have just heard of this home ownership program called NACA or Neighborhood Assistance Corporation of America. supposedly no down payment, no closing costs or fees, and with an interest rate of 5.375%. It's got me literally scratching my head because like I've said, I've been looking for a couple years now and this is the first I've heard of this program. anyone know of them or dealt with them? if not, who do I need to call to see how legit these guys are?