Buy a Home

Step 1: Homebuyer Education

If you are considering buying a home in the next year, Homebuyer Education is an invaluable investment that will provide you with a comprehensive foundation for the homebuying process. During our HUD-certified course you will:

  • Learn the process of buying a home from A to Z;
  • Get a better idea of where you stand in that process and what you need to do to achieve homeownership;
  • Hear from local professionals including a realtor, inspector, lenders, and a closing attorney.

Classes are offered monthly in Asheville. Advanced registration is required. See full schedule here.

Does the in-person Homebuyer Education schedule not work for you? If you don't live near Asheville or your schedule makes it impossible to attend our in-person Homebuyer Education, you can utilize our online homebuyer education course, which provides excellent information and the added convenience of self-paced learning.

Step 2: Receive Your Credit Report

Getting all three credit reports and scores and reviewing the information with an OnTrack WNC counselor will help you understand the mortgage options available to you based on your credit history. If necessary, you and your counselor can create an action plan with steps you can take toward improving your credit.

Step 3: Homebuyer Counseling

After attending Homebuyer Education, you'll attend a one-on-one homebuyer counseling session with one of our certified housing counselors. Working with the counselor you will:

  • Learn how much home you can afford;
  • Review your personal financial situation to create your homebuying plan;
  • Understand how to improve your credit or pay down debt if necessary; and
  • Receive comprehensive information about down payment assistance potentially available to you.


In-person Homebuyer Education: $50

Online Homebuyer Education: $100

Homebuyer Counseling: FREE

Three Credit Reports and Three FICO Scores

  • If Attending Homebuyer Education: $29.00
  • If not Attending Homebuyer Education: $35.00

Click here to view our current class schedule.

Ready for assistance? Call 828-255-5166 or click here to get started.

Special Thanks to our 2018 Homebuyer Education Sponsors
  • Anna Booraem
    Anna Booraem
  • Shanae Johnson
    Shanae Johnson
  • Wayne & Jodi Mott
    Wayne & Jodi Mott
  • William Raynor
    William Raynor
  • Lucia Daugherty
    Lucia Daugherty
  • Julie Perley
    Julie Perley
  • Bailey Gartman
    Bailey Gartman
  • Diana Honeycut
    Diana Honeycut
  • Lisa Gaskin
    Lisa Gaskin
  • Carmen Govea
    Carmen Govea
  • Kelly Jackson
    Kelly Jackson
  • Jordan Barlow
    Jordan Barlow
  • Susan Mosley
    Susan Mosley
  • Jessica Turner and Robert Forbes
    Jessica Turner and Robert Forbes
  • Amber Williams
    Amber Williams
  • Emily and Jordan Stanley
    Emily and Jordan Stanley