Every home tells a story – of safety, belonging, and possibility. Through a wide range of services, The Housing Assistance Corporation helps families write their next chapter.
DISASTER RECOVERY
In response to the devastating impacts of Hurricane Helene, The Housing Assistance Corporation launched the Disaster Recovery Department in 2025. This department coordinates with nationwide volunteer groups and licensed contractors to complete storm-related repairs in Henderson, Polk, and Transylvania counties.
As Western North Carolina moves into long-term recovery, we continue to provide comprehensive project management for both major and minor home repairs. With community support, several families have already returned home.
Our disaster recovery work includes but is not limited to:
- Roofing
- Flooring
- Mold and moisture remediation
- Electrical, plumbing, and HVAC repairs
- Volunteer coordination and construction oversight
If it weren’t for Housing Assistance, we would still be emptying buckets of water, because of the places on the roof that were hit by tree branches from Helene, every time it rained. We would be getting more and more ill from the black mold that was under the tarps we temporarily put up to help direct the volume of water that was coming in the bedroom, the bathroom, and the laundry room.
Families served since Helene
HOME REPAIR
For more than three decades, The Housing Assistance Corporation has performed critical repairs for neighbors in need. Our repairs prioritize urgent health and safety hazards, helping preserve homes and protect residents. Thanks to donor generosity and grant support, all repair services are offered at no cost to homeowners.
In 2025
- 621 repairs were completed across 100 households in Henderson, Polk, and Transylvania counties.
- All 245 residents served were living below 80% AMI, and more than half were living below 30% AMI.
What types of repairs does the program offer?
The Home Repair Program makes repairs that eliminate health and safety hazards. Examples of eligible repairs include, but are not limited to:
- Ramps
- Grab Bars
- Leaking Faucets
- Roof Leaks
- Floor Repair
- Minor Plumbing Repairs
- Water Heater Replacement
- Steps and Handrails
- Fall Prevention Modifications
Who is eligible for home repairs?
- You are eligible for the Home Repair Program if:
- You are a homeowner.
- You live in the home for which you request repairs and own no other.
- The household gross annual income does not exceed 50% of the area median income.
- You have no other source or means to pay for repairs.
- You are a Veteran providing a DD Form 214.
What documents are required?
-
For verification of your application, please bring the following documentation for each household member, if applicable:
- Proof of income from all sources:
- Benefits letter for SSI, SS, and Pension
- 12 months of wage history
- Child Support payments received
- Disability payments received
- Proof of homeownership, such as:
- Deed in your name
- Copy of the title in your name
- Current property tax bill in your name
- If you own a mobile home on a rental lot:
- Provide a notarized letter from the lot owner permitting Housing Assistance to perform tasks that might impact their property, such as building a ramp. The letter should also state the location of septic or utility lines.
Thank you all who have helped getting the work and repairs for our house…So happy to be able to use the upstairs and downstairs and the doors and everything you have fixed for us…
HOME REPAIR LOANS & GRANTS
The Housing Assistance Corporation is an outside loan application packager for USDA Single-Family Housing Repair Loans and Grants, also known as the Section 504 Home Repair Program. The program provides loans to very low-income homeowners to repair, improve, or modernize their homes. Grants are available to elderly, very low-income homeowners to remove health and safety hazards.
How do I qualify for the 504 Home Repair Loan?
You might qualify for the 504 Home Repair loan if:
- You own and occupy the house.
- You are unable to obtain affordable credit elsewhere.
- Your household income does not exceed the “very low” limit by county.
- The home is on a permanent foundation.
- You are age 62 or older
How much money can I receive?
- Maximum loan amount is $40,000.00.
- Maximum grant amount is $10,000.00.
- Loans and grants can be combined for up to $50,000.00 in assistance.
What are the terms of the loans and grants offered?
The loans and grants offer the following terms:
- Loans are termed 20 years with a fixed interest rate of 1 percent.
- Full title service is required if the total outstanding balance on Section 504 loans exceeds $25,000.00.
- Grants have a lifetime limit of $10,000.00.
- Grants must be repaid if the property is sold in under 3 years.
- If applicants can repay part, but not all of the costs, applicants may be offered a loan and grant combination.
What documents are required?
-
For verification of your application, please bring the following documentation for each household member, if applicable:
- Proof of income from all sources:
- Benefits letter for SSI, SS, and Pension
- 12 months of wage history
- Child Support payments received
- Disability payments received
- Proof of homeownership, such as:
- Deed in your name
- Copy of the title in your name
- Current property tax bill in your name
- If you own a mobile home on a rental lot:
- Provide a notarized letter from the lot owner permitting The Housing Assistance Corporation to perform tasks that might impact their property, such as building a ramp. The letter should also state the location of septic or utility lines.
SINGLE-FAMILY HOUSING DEVELOPMENT
The Housing Assistance Corporation constructs single-family homes across Henderson, Polk, and Transylvania counties primarily through the USDA Self-Help Housing Program.
In the Self-Help Program, future homeowners contribute 10 to 13 hours of work per week, earning substantial sweat equity toward the cost of their new homes. Homes built through this program generate approximately 65% of their value in sweat equity savings for buyers. Our construction staff works alongside participants, providing training and on-site support throughout the building process.
Additionally, the Housing Counselor packages applications for the 502 Direct Loan Program for all counties in North Carolina.
Through sweat equity, I had the chance to work side by side with neighbors and staff to literally lay the foundation of my future. Every hour I put in, every nail and board, gave me not just a house, but a sense of pride, ownership, and hope.
COUNSELING & EDUCATION
Our confidential, free housing counseling services guide individuals through the homebuying process. Certified counselors help identify and package mortgage applications for qualified buyers and provide required homebuyer education certifications.
Participants receive one-on-one support to build individualized homeownership plans, primarily through USDA Self-Help and USDA 502 Direct Loan programs. All counselors are certified through NeighborWorks® Center for Homeownership Education and Counseling (NCHEC).
Housing Counseling includes learning about:
- The right time for homeownership
- Responsibilities of homeownership
- Financial planning in preparation for buying a home
- Understanding how credit scores impact your home-buying process
- Certification in the home buyer education course
- The home-buying process
- Working with real estate agents
- Understanding a home inspection
- Understanding the mortgage loan closing process
Now, when I open the door to my home, I don’t just see a structure. I see security, stability, and a place where my family will grow, laugh, and create memories. That is something I will never take for granted.
MULTIFAMILY HOUSING
The Housing Assistance Corporation has constructed 12 multifamily developments offering 370 affordable rental units in Henderson County. Our most recent development, Oklawaha Village in Hendersonville, was completed in 2021 and includes 78 units of high-quality, affordable housing.
Looking ahead, The Housing Assistance Corporation plans to increase its multifamily production by 230% over the previous six years, adding 180 new affordable units to the region. In 2023, we were awarded $12 million in Low-Income Housing Tax Credits (LIHTC) from the North Carolina Housing Finance Agency to support the multifamily portion of the Appleridge development. This project will add 60 rental units for income-qualified households, with expected completion in 2027.
APARTMENTS
Connor Creek
715 Connor Ave.
Hendersonville, NC 28791
2BR
(828) 698-0290
Jackson Parkveiw
110 Jackson Parkview Ct.
Hendersonville, NC 28792
1BR, 2BR, & 3BR
(828) 698-0290
Regal Oaks
1312 Old Spartanburg Rd.
Hendersonville, NC 28792
1BR
(828) 698-5943
Designed for the elderly (62 +) or persons with disabilities, regardless of age.
Fran’s Cottages
70 Hope Circle Hendersonville, NC
1BR
(828) 697-0808
Transitional Housing
Oak Haven
1308 Old Spartanburg Rd.
Hendersonville, NC 28792
1BR & 2BR
(828) 693-6922
Designed for the elderly (55 +) or persons with disabilities, regardless of age.
King Creek Cottages
189 Hillside Commons Dr.
Hendersonville, NC 28792
1BR, 2BR, & 3BR
(828) 696-2774
Designed for persons with disabilities, regardless of age.
Sugar Hill
66 Ladies Mantle Ct.
Hendersonville, NC 28792
1BR & 2BR
(828) 692-1401
Designed for the elderly (55 +) or persons with disabilities, regardless of age.
Oklawaha Village Apartments
17 Perkins Place Hendersonville, NC
1BR, 2BR, & 3BR
(828) 595-9505
Hillside Commons
189 Hillside Commons Dr.
Hendersonville, NC 28792
1BR & 2BR
(828) 696-2774
Designed for the elderly (62 +) or persons with disabilities, regardless of age.
Highland View
500 King Creek Blvd.
Hendersonville, NC 28792
2BR & 3BR
(828) 693-9630
Sugarloaf
10 Hope Circle
Hendersonville, NC 28792
2BR, 3BR, & 4BR
(828) 697-0808
Rental assistance is subject to availability
Thank you to our collaborative partners.
Boys & Girls Club
Brevard-Davidson River Presbyterian Church
City of Asheville
City of Brevard
City of Hendersonville
Clorox
Conserving Carolina
FAHE
Free Clinics
Givens Communities
GROW NC
Habitat for Humanity
Henderson County EMS
Henderson County Government
Housing Assistance Council
Interfaith Assistance Ministry
LDR Carolinas
Lowe’s Home Improvement
Mountain Aging Partners
Mountain True
Nechama
OnTrack Financial Education & Counseling
Pangaea
Partnership Property Management
Polk County EMS
Pisgah Legal Services
Polk County Government
SBP
Sharing House
St. Timothy United Methodist Church
Thermal Belt Outreach
Through The Trees
Town of Columbus
Transylvania County Government
Transylvania County EMS
USDA Rural Development
WGLA Engineering, PLLC
