Our experience with Mr. Kristopher Fraley deserves highest appreciation and five stars all around. We bought our house through a NACA loan and got one of the lowest mortgage payments imaginable with a 2% interest rate. Thanks to the knowledge and the relationships Kris and their team has built over the years, our house buying experience with NACA was smooth and I don't think it would have been smooth if it wasn't for their team.
We heard many good things about NACA but we were a bit skeptical because it sounded too good to be true. My husband and I having excellent credit ratings and enough savings to get a conventional loan, we had to contemplate the pros and cons. After talking to Kris and crunching some numbers, it was no-brainer that a NACA loan with zero closing costs and down payment with the ability to buy down the interest rate was the best option. Kris provided us with the necessary guidance to get pre-approved in a month. Then we were off to house hunting.
If you want a realtor with patience and determination that will listen to you and help you find the dream home, then look no further, Kris will make it happen. We wanted to buy the best home we could afford within minutes from my work in downtown Silver Spring.
We were not sure of many things when it came to the house so Kris was very patient in understanding what we truly valued. Then one day, there was a house, an ideal listing, a thoroughly renovated single family home that was $15k more than what we could afford through NACA. We had little hope but Kris believed in us being able to buy this home. Kris spoke with the selling realtor to explain our situation, we submitted our best offer that was $15k less than the asking price, and the seller accepted.
It is not easy to close on a home with NACA due to their strict requirements and steps, which we have to go through. In addition, we had one of the toughest sellers that put incredible amount of pressure on Kris. However, Kris and his team was cool and calm and we were able to get everything done and close on our dream home.
If you are reading this, then the best advice I can give is Kris & his team got your back.
This will be the easiest decision you will make in choosing a real estate agent. I know I will be buying and selling more homes in the future and I know I have one of the best in the industry that got my best interest at heart! read more