The barriers to homeownership seem insurmountable if you’re short of funds for a downpayment, and your credit score is low.. The Neighborhood Assistance Corporation of America, NACA, is meeting with thousands of aspiring homeowners in Baltimore this weekend … to say, those don’t have to barriers at all. CEO Bruce Marks says NACA focuses on character, not credit score. And homeowner Robin Wright explains that when she thought owning a home was a distant dream, NACA’s counselors held her hand.