UPDATE:
My husband I began the process of buying a house with NACA and we felt truly unfortunate when we learned that we were on the wrong path, they made us waste a lot of time as they get hundreds of applicants each month as a requirement to get funds and they clearly know that with their personnel they only can close about 4-6 cases per year. You only have appointments with them once a month and ZERO Communication until the next month to go over what you talked about the month before. I truly hope you never step in their office. After 6 months of appointments THANKS to the honesty from 2 NACA workers we were able to learn the ugly truth, they told us that they have cases over 2 years old without moving anywhere. We felt devastated after this, but decided to only stop until the day we had our own house.

Therefore, we visited BBVA COMPASS as I have over 13 years banking with them, but they couldn't help. We also consulted BANK OF AMERICA and WELLS FARGO and had no luck as all this 3 banks only accept green cards. After this we decided to visit several REALTORS from the area to buy a house through investors (PLEASE DON'T DO THIS, EVEN IF YOU FEEL TRULY DESPERATE), the numbers they gave us were truly unfair and abusive, WE FELT AS BAIT! and decided this option wasn't for us as we were considered READY TO BUY A HOME and just needed the correct bank to get a loan.

Meanwhile, through all this process we made sure to keep building PERFECT CREDIT SCORE through 2 Secured Cards. We also never stopped saving money for the Down-payment and had ZERO Debts. Thanks to GOD we ended up in the hands of CHICANOS POR LA CASA after we had the appointment with them, we learned that BMO HARRIS BANK was the only bank working with dreamers and when CPLC confirmed through documentation and checking our credits that we were ready to buy a house. They helped us that same day to get an appoinment with:

MAURICIO VALENCIA-(602) 995-6095 from BMO Harris Bank at 3100 W Indian School Rd.

On JUNE 21, 2016 we closed with BMO Harris and finally bought our own house. The interest rate is 3.25% (Locked rate) with a 30 years conventional loan, NO penalties, NO PMI and we will be paying a TOTAL of $668.23 as our Monthly Payment (this already includes Principal, Interest, Insurance, and Taxes). Our Realtor was truly impressed with this numbers

My family and I feel truly blessed and consider all the hard times we had just a lesson and part of the road to finally get to the correct place. We always promised to ourselves that if anything ended up the way it was expected we would share our story through here. IF YOU ARE A DREAMER CONSIDERING TO BUY A HOUSE IN ARIZONA PLEASE DON'T WASTE YOUR TIME AND MONEY ANYWHERE ELSE!!!

Disclosure: This is a honest message, the only intention is to help other Dreamers AVOID Scams and difficult times in the process of becoming homeowners. BMO Harris didn't paid me a dime to make this post.

WE TRULY HOPE THIS HELPS AT LEAST ONE FAMILY!!!