Most loans are based on your credit. NACA.com bases their loans on your character. They will check your credit and spend lots of time helping you fix it and getting you ready so they can give you a loan that is based on your character. They will start by seeing if you can save. Don't listen to heresy, go to one of their 4 hour classes and find out. They will require you to pay a $50 mo fee for 5 or 7.5 years, but they will save you between $100-$300 a month. They only have one loan and one rate and everyone gets the same. Right now the interest rate is 5.625%. Don't look skin deep, study about it and see if it is true. I studied the web site, went to their 4 hour class, did internet research about them and will meet with them tomorrow night. So far, I think it is an excellent deal.
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