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Cameron Shosh, an agent with Century 21 Redwood Realty in Washington, agreed that NACA’s process has problems. Still, Shosh said, if you can work through it "and educate your client on their responsibilities as part of the transaction, including staying on top of the NACA rep and their time frames, you cannot get a better deal for a buyer client. No closing costs out of pocket, below market interest rate for a 100 percent financed fixed rate loan is nothing to laugh it, especially if your client is cash poor.".