I did the NACA thing..
It takes a long time for 1 thing. You will need a lot of patience as well as they seemed to be understaffed. However they were able to advocate for a restructure of my mortgage. My mortgage holder, WAMU/CHASE, did a step modification. Rate goes from an adjustable 6.5% to 3.0% for the 1st year, 4.35% the 2nd year, 5.50% the 3rd year and final year is 6.5% and fixed at that rate for the balance of the loan.
If you finance through NACA you will get a below rate mortgage. The only fee's you will incurr is a monthly charge based on the amount of your loan, but not more than 75 bux a month for 10 years. BUT they provide on going assistance and have a program where if you lose your income you can apply for up to 3 months of mortgage assistance. You will have to pay the three months back at the end of your loan, or you can pay it off sooner if you come into some doe. Overall I found it to be a good program.