Refinance Mortgage Help

Has anyone heard of the NACA Mortgage Refinance Program?
What are the Cons with this program, I know the Pros. I have been struggling since my husband was laid off and I am looking for ways to reduce my mortgage and save money. Please help me figure this out!
I have, my daughter’s in the process of buying a house with their help.
There are no cons that I know of – except you must reside in the home so be sure you like it and the area.