Buy a House

Buying a new home through MHO is much like purchasing any other home. Stable employment and good credit history are necessary.  Families or individuals with incomes below 80% of the area median income (AMI) can qualify for financing that make their homes even more affordable.

We have several programs to help families achieve the dream of homeownership:

Click here to go to the Application Page to download applications for each program. To see if you qualify under median income qualifications, check the chart below:


Self-Help Homeownership

Corrie, Treva, Cierra WilliamsMHO’s Self-Help Homeownership program provides families and individuals in Buncombe County with low or moderate income an opportunity to achieve the American Dream of homeownership. Our Self-Help program brings together a group of four to six qualifying families who work together to build their homes under the guidance of an MHO construction supervisor. In addition to low-interest USDA mortgages, the “sweat equity” construction hours put in by the homeowners reduce the cost of their homes.  With the Self-Help program, neighbors work alongside one another to build community from the ground up.

It is labor intensive, but also immensely rewarding.  To read a story and view a video about one of our Self-Help Home Owners, Treva Williams, click on this link.

MHO is currently recruiting families and individuals for the next round of Self-Help Homes in Swannanoa.  For more information and program guidelines, see below. If you or someone you know might be interested in participating in the Self-Help Program, contact Megan Kirby at 254-4030 x122,

In English

  • Click here for a list of Frequently Asked Questions.
  • Click here for an overview of the program.
  • Click here for an Application.

En Español

  • El Folleto para Programa de Autoayuda Mutua para Construcción de Vivienda


Downpayment Assistance Program

Downpayment Assistance can fill the cash gap between the amount of your first mortgage and the total cost to purchase a home. While these loan funds can be used for downpayment, they can also be used to cover closing costs and/or be used to simply increase the purchase price of the home. Borrower eligibility requirements and information for lenders can be found using the links below:

  • Click here for Borrower Eligibility
  • Click here for Lender Information
  • Click here for Applications

If you are a lender seeking additional downpayment assistance program information, contact Kelly Nossiter:  828-254-4030, ext. 127



National Mortgage License Number 1155133

Mike Vance 271754

Kelly Nossiter 380447


Homes For Sale


Looking for an energy efficient and attractive home?  We build high quality affordable homes that are third party certified as Energy Star and Green Built NC.  MHO has one property for sale: 346 Deaverview.   You can click on the photos  or on the address links to download a PDF for more information about each property.

New, affordable homes are planned for Getaway Drive in Swannanoa and for Le-An-Hurst Road in South Asheville. Contact Megan Kirby,, at 828-254-4030, ext. 122,  for more information.

 Click here for applications.

USDA Direct Loan Packaging

USDAIf you are buying a home and looking for an affordable mortgage, we can help. MHO partners with USDA to provide loan packaging for their 502 direct loan program. This loan offers eligible buyers a low-interest loan that can be subsidized based on your household income to ensure affordable monthly payments.

Click here for more information and prequalification materials.  Click here for applications.

If you have additional questions about your eligibility or the application process, please contact Kelly Nossiter:  828-254-4030, ext. 127, or