Efforts to put home-buying families into Manteca foreclosures will get a boost in the coming months from the Neighborhood Assistance Corporation of America.Realtors are working with NACA to set up a series of workshops in Manteca to help educate potential buyers to take advantage of the organization’s unique no down payment, no fees, and no closing costs loans that are at the below prevailing interest rates of 3.85 percent for 30-year fixed mortgages. The mortgage program is made possible by a $3 billion commitment from Bank of America.It is seen as a solution to a problem identified by Manteca leaders early in 2011: There is a large pool of renters who have the income to make monthly housing payments but can’t buy because they can’t come up with the down payment and closing costs plus they are being aced out by investors paying cash. In the case of Bank of America, anyone in the NACA loan program gets first crack at homes they foreclose on in Manteca and also would receive a slight price break.Realtors believe the NACA program will help accelerate the market absorption of foreclosures to rid Manteca of the shadow inventory that is weighing down the housing recovery.