If a member has lived in the property and has fulfilled all other stipulations, what can they do after three years with their NACA mortgage?

A member who has lived in the property for three years and met all other stipulations associated with their NACA mortgage can indeed purchase another property through NACA. This option is available as NACA encourages members to take steps towards homeownership and potentially expand their investment in real estate, provided they continue to meet NACA's requirements.

The organization is designed to support low- and moderate-income individuals and families, and allowing them to purchase another home reflects NACA’s commitment to helping members achieve their financial goals and build wealth through homeownership. By purchasing another property through NACA, a member can benefit from favorable mortgage terms and support services that align with the NACA mission.

The other options are limited by specific guidelines. For instance, while selling the property is generally an option, it doesn't specifically align with the benefits that NACA provides for purchasing another home. Refinancing with another lender is not an option since members are encouraged to stay within the NACA system for mortgage services. Lastly, switching to a different mortgage plan is typically subject to NACA's existing criteria and may not be an immediate option after three years without fulfilling additional conditions.