Programs to help Buy a home

MHO offers several programs to help families achieve the dream of homeownership:

Turn-Key Homeownership Program

Looking for a home? MHO’s Turn-Key Homeownership Program offers new, energy-efficient homes with built-in, no-interest, deferred financing in amounts up to 30% of the purchase price. With deferred financing, 1st mortgage amounts may be as low as $120, 000.

Review our brochure and step-by-step overview, or contact Kelly Nossiter, 828-254-4030, x127, to find out if this program is right for you.

Our listing agent is Mike Figura, at .

To start the application process, complete the intake and authorization forms and email them to or fax them to 828-254-0120.
If you are a realtor seeking additional Turn-Key program information, contact Megan Kirby at 828-254-4030, x122.

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 or to simply increase your purchasing power. To learn more about the program take a look at our brochure.

To start the Downpayment Assistance application process, complete the intake and authorization forms and email them to or fax them to 828-254-0120. If you have questions, please call Kelly Nossiter at 828-254-4030, ext. 127.

If you are a lender seeking additional program information or have questions about our lender guidelines, contact Kelly Nossiter at 828-254-4030, x127.

National Mortgage License Number 1155133
Mike Vance 271754
Kelly Nossiter 380447

Self-Help Homeownership

MHO’s Self-Help Homeownership Program provides families and individuals the opportunity to achieve the dream of homeownership. The Self-Help program brings together a group of four to six qualifying families to work cooperatively to build their homes under the guidance of an MHO construction supervisor. All homes are financed with low-interest USDA mortgages, which along with the “sweat equity” construction hours put in by the homeowners, reduces the cost of the homes. With the Self-Help program, neighbors work alongside one another to build community from the ground up. The program is labor intensive, but also immensely rewarding. Read what, one of our Self-Help homeowners, has to say.

MHO is currently recruiting families and individuals for the next round of Self-Help homes. Learn more about the program and get some answers to
To start the Self-Help application process, complete the and email them to or fax them to 828-254-0120.

If you have questions, please call Megan Kirby at 828-254-4030, ext 122.

Meet Treva Williams, one of our Self-Help homeowners, in this video.

USDA Direct Loan Packaging

If you are buying a home in an, we can help. MHO partners with USDA to provide section 502 direct home loans. These are low-interest loans with supplemental payment assistance. Assistance is based on household income, ensuring affordable monthly payments.

To start the USDA Direct Home Loan application process, complete the pre-qualification and authorization forms and email them to or fax them to 828-254-0120. If you have questions, please call Kelly Nossiter at 828-254-4030, ext. 127.