North Carolina · Buncombe County
Asheville, NC construction loans
Asheville · Weaverville · Black Mountain · Fletcher · Candler · Leicester · Arden
Building around Asheville usually means a mountain lot, a well, and a septic system. We finance the land, the build, and your permanent mortgage in one loan, and we start with a conversation, not an application.
Building in the Asheville area
Many of the buyers we talk with work in Asheville and build on land out in Buncombe County or neighboring Madison and Henderson counties. On those lots, slope, the well, and the driveway often decide the budget more than the house does.
Since Hurricane Helene, questions about steep slopes, drainage, and flood risk matter even more. We'll help you plan for them before you commit.
Asheville at a glance
- County
- Buncombe County, with many buyers building in Madison and Henderson counties
- Nearby towns
- Weaverville, Black Mountain, Fletcher, Candler, Leicester, and Arden
- Major employers
- Mission Hospital, the Charles George VA Medical Center, UNC Asheville, and tourism and hospitality
- Our team
- Johnson City, TN, by phone, video, and email
What to check first when you build here
Who issues your building permit
Inside Asheville city limits, the City of Asheville handles permits. Elsewhere in the county, Buncombe County's permits and inspections office does. Towns like Black Mountain and Weaverville have their own rules too, so confirm your lot's jurisdiction first.
Steep slopes may need an engineer
Buncombe County has a Steep Slope and High Elevation Overlay for lots in unincorporated areas. Inside Asheville, lots with slopes of 36% or more, or in mapped slope-hazard areas, need a geotechnical analysis by a North Carolina engineer before a building permit is issued.
Septic and wells
In Buncombe County, the county's Environmental Health division issues septic and new well permits, and you'll need septic approval before you can get a building permit. You can also hire a private Authorized On-Site Wastewater Evaluator.
Local builders and retailers
Builders and home retailers near Asheville
Working with a builder or retailer in Asheville, Weaverville, Black Mountain, Fletcher, Candler, Leicester, or Arden? Tell us who you're considering, and we'll check their approval early.
Build on your land
America's Home Place (opens in a new tab)
Manufactured and modular homes
- Homes by Clayton (opens in a new tab)Asheville, by appointment
- Oakwood Homes (opens in a new tab)Asheville
- Clayton Homes (opens in a new tab)Candler
- Crossland Homes (opens in a new tab)Candler
- Carter's Homes (opens in a new tab)Fletcher
- Oakwood Homes (opens in a new tab)Fletcher
Also nearby: Clayton Homes (opens in a new tab) (Hendersonville), Clayton Homes (opens in a new tab) (Waynesville).
Builder or retailer serving the Asheville area? We'd love to hear from you. Email us and we'll be in touch.
Listings are provided for convenience. Preferred Rate, a DBA of American Pacific Mortgage, is not affiliated with, and does not endorse, the builders and retailers listed. All loans are subject to credit approval and underwriting; this is not a commitment to lend.
Construction loan programs in Asheville
We offer VA, FHA, and conventional one-time close construction loans, so your land, construction, and permanent mortgage are covered by one loan with one closing.
- VA construction for veterans and active duty
- FHA construction when you're building with a smaller down payment
- Conventional construction when you have strong credit and a down payment
2026 loan limits in Buncombe County (one-unit home)
Limits are set each January by HUD and the FHFA. Your actual loan amount depends on your qualifications and the appraised value.
FAQ
Frequently asked questions
Can I get a construction loan here if your office is in Johnson City?
Yes. We work across six Southeast states, and most of our clients work with us entirely by phone, video, and email.
Does a steep lot need extra approval?
It can. Inside Asheville, steeper lots and lots in mapped slope-hazard areas need a geotechnical report from a North Carolina engineer before a building permit. In unincorporated Buncombe County, a slope and elevation overlay may apply. We'll build that cost into your budget.
Is VA construction available near the Asheville VA Medical Center?
Yes. Eligible veterans and active duty can use a VA one-time close construction loan in Buncombe County and across North Carolina. See VA construction loans.
Can you finance a manufactured home on land I own here?
Yes. When the home sits on a permanent foundation and is titled as real property together with land you own or are buying, it can be financed with a one-time close construction loan. Homes on rented land are financed differently.
Your land. Your build. Let's talk it through.
A free consultation is 20 minutes. We cover your land, your eligibility, and the right loan structure. No application required.
Tennessee · Virginia · North Carolina · South Carolina · Georgia · Kentucky
20 minutes · no application · no commitment
NewBuild is led by the Arrowood Team at Preferred Rate. 260+ five-star Google reviews.
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