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Save the Dream Tour From Neighborhood Assistance Corporation of America.

The Neighborhood Assistance Corporation of America (NACA) is a nonprofit organization that has helped more that 50,000 people across the country prevent a foreclosure and helped them stay in their homes with the help of federal grants. They are bringing their services around the country in an event called the Save the Dream Tour. The organization states that it has been able to help about 80 percent of the families who have asked for mortgage help or foreclosure assistance.

What is the Save the Dream Tour?
It is a workshop that provides homeowners with the ability to meet with their mortgage lender to modify or restructure their existing mortgage. Some options include permanently lowering the interest rate, changing the loan terms, or reducing the principal balance. The services offered by the Neighborhood Assistance Corporation of America Save the Dream Tour are free and the workshop is open to the public. According to the NACA, many homeowners who attend the events successfully restructure their loans onsite with the banks and other lenders who also attend.

The organization operates by bringing lenders, credit counselors and banks all to one place and then ensuring they sit down face-to-face with struggling homeowners who are drowning under unaffordable mortgages, and helping them facilitate the best deal for both the lender and the homeowner. Read how counselors can assist you.

What they have discovered is while on paper lenders are foreclosing on massive numbers of people, but when they meet with a homeowner, work hand in hand with them, look them eye to eye, this changes their perspective and the results.





What are examples of assistance
Tens of thousands of families across the country have received assistance. Just in Chicago, over 20,000 Chicago area homeowners have reduced their monthly mortgage payments by anywhere from $200 to $1,700. One homeowner had their interest rate reduced from 12.2 percent down to a 2.3%, thereby reducing their monthly payment from $1,345 a month down to $752 per month. More on loan modifications.

How do they offer this aid?
The NACA can offer the most effective short and long-term mortgage solutions for so called at-risk homeowners because the organization can permanently lower the homeowners interest rate. Oftentimes they can lower it all the way down to 4%, 3% or even 2%. In addition, they can reduce the homeowners outstanding principal down to a level that is based on what the homeowner can afford. The end result is that this type of assistance can enables families across the nation avoid a foreclosure filing by helping them to modify and/or restructure their home loans and also reduce their mortgage interest rates.

This solution has set a standard for long-term solutions offered by many lenders. NACA can offer this type of mortgage assistance to homeowners because they have negotiated and secured legally binding agreements with many of the major banks, lenders and mortgage servicers, which covers 90% of the at-risk homeowners. And the Save the Dream Tour provides a venue for all of them to get together.




Where will the Neighborhood Assistance Corporation of America Save the Dream Tour be next?

  • St. Louis, MO July 31 – Aug 3 Chaifetz Arena
  • Atlanta, GA Aug 7th – 10 World Congress Center
  • Phoenix, Arizona August 14th – 17th
  • Las Vegas, Nevada August 21st – 24th
  • Los Angeles, California August 28th – 31st
  • New York City, New York September 12th - 16th
  • Tucson, Arizona Date: To-be-announced
  • Long Island, New York Date: To-be-announced
  • Jackson, Mississippi Date: To-be-announced
  • Denver, Colorado Date: To-be-announced
  • Southern Florida Date: To-be-announced


By Jon McNamara

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