|   |
|---|
|   |  |
| x | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |

|         |
|---------|
|         |  |
|  o | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |

|        |
|--------|
|        |  |  |  |  |
|   | Ohio |   | 31-1210837 |   |
|   | (State or other jurisdiction of incorporation or organization) |   | (I.R.S. Employer Identification No.) |   |

|                                                     |
|-----------------------------------------------------|
|                                                     |
| 3 Easton Oval, Suite 500, Columbus, Ohio 43219      |
| (Address of principal executive offices) (Zip Code) |

|                                                      |
|------------------------------------------------------|
|                                                      |
| (614) 418-8000                                       |
| (Registrant's telephone number, including area code) |

|                                                                                   |
|-----------------------------------------------------------------------------------|
|                                                                                   |  |  |
| Title of each class                                                               |   | Name of each exchange on which registered |
| Common Shares, par value $.01                                                     |   | New York Stock Exchange |
| Depositary Shares, each representing 1/1000th of a 9.75% Series A Preferred Share |   | New York Stock Exchange |

|     |
|-----|
|     |  |  |  |  |
| Yes |   |   | No | X |

|     |
|-----|
|     |  |  |  |  |
| Yes |   |   | No | X |

|     |
|-----|
|     |  |  |  |  |
| Yes | X |   | No |   |

|     |
|-----|
|     |  |  |  |  |
| Yes | X |   | No |   |

----

|        |
|--------|
|        |  |  |  |  |  |  |
|   | Large accelerated filer |   |   | Accelerated filer | X |   |
|   | Non-accelerated filer |   |   | Smaller reporting company |   |   |
|   |  (Do not check if a smaller reporting company) |   |   |   |   |   |

|     |
|-----|
|     |  |  |  |  |
| Yes |   |   | No | X |

----

----

|                                                                |
|----------------------------------------------------------------|
|                                                                |  |  |  |  |  |  |  |
|                                                           | December 31, |
| Description of financial instrument (in thousands)             | 2013 |   | 2012 |
| Best-effort contracts and related committed IRLCs              | $ | 2,494 |  |   | $ | 1,184 |  |
| Uncommitted IRLCs                                              | 49,710 |  |   | 25,854 |  |
| FMBSs related to uncommitted IRLCs                             | 48,000 |  |   | 26,000 |  |
| Best-effort contracts and related mortgage loans held for sale | 63,386 |  |   | 25,441 |  |
| FMBSs related to mortgage loans held for sale                  | 20,000 |  |   | 44,000 |  |
| Mortgage loans held for sale covered by FMBSs                  | 19,884 |  |   | 44,524 |  |

|                                                    |
|----------------------------------------------------|
|                                                    |  |  |  |  |  |  |  |
|                                               | December 31, |
| Description of Financial Instrument (in thousands) | 2013 |   | 2012 |
| Mortgage loans held for sale                       | $ | 81,810 |  |   | $ | 71,121 |  |
| Forward sales of mortgage-backed securities        | 745 |  |   | 253 |  |
| Interest rate lock commitments                     | (319 | ) |   | 1 |  |
| Best-efforts contracts                             | 479 |  |   | (3 | ) |
| Total                                              | $ | 82,715 |  |   | $ | 71,372 |  |

|                                             |
|---------------------------------------------|
|                                             |  |  |  |  |  |  |  |  |  |  |  |
|                                        | Year Ended December 31, |
| Description (in thousands)                  | 2013 |   | 2012 |   | 2011 |
| Mortgage loans held for sale                | $ | (2,094 | ) |   | $ | (1,494 | ) |   | 3,065 |  |
| Forward sales of mortgage-backed securities | 492 |  |   | 723 |  |   | (591 | ) |
| Interest rate lock commitments              | (320 | ) |   | (357 | ) |   | 366 |  |
| Best-efforts contracts                      | 482 |  |   | 128 |  |   | (436 | ) |
| Total (loss) gain recognized                | $ | (1,440 | ) |   | $ | (1,000 | ) |   | $ | 2,404 |  |

----

|                                       |
|---------------------------------------|
|                                       |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|                                  | Expected Cash Flows by Period |   | Fair Value |
| (Dollars in thousands)                | 2014 |   | 2015 |   | 2016 |   | 2017 |   | 2018 |   | Thereafter |   | Total |   | 12/31/2013 |
| ASSETS:                               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage loans held for sale:         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  Fixed rate                      | $83,257 |   | — |   | — |   | — |   | — |   | — |   | $83,257 |   | $78,357 |
| Weighted average interest rate        | 4.21% |   | — |   | — |   | — |   | — |   | — |   | 4.21% |   |   |
|  Variable rate                   | $3,613 |   | — |   | — |   | — |   | — |   | — |   | $3,613 |   | $3,453 |
| Weighted average interest rate        | 3.24% |   | — |   | — |   | — |   | — |   | — |   | 3.24% |   |   |
|                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| LIABILITIES:                          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Long-term debt — fixed rate     | 152 |   | 182 |   | 242 |   | $57,803 |   | $316,614 |   | $887 |   | $375,880 |   | $421,014 |
| Weighted average interest rate        | 3 |   | 3.37 |   | 3.37 |   | 3.25% |   | 7.07% |   | 3.37% |   | 6.48% |   |   |
| Short-term debt — variable rate | $80,029 |   | — |   | — |   | — |   | — |   | — |   | $80,029 |   | $80,029 |
| Weighted average interest rate        | 3.53% |   | — |   | — |   | — |   | — |   | — |   | 3.53% |   |   |

----

|          |                                         |
|----------|-----------------------------------------|
| Item 15. | EXHIBITS, FINANCIAL STATEMENT SCHEDULES |

|               |
|---------------|
|               |  |  |
| ExhibitNumber |   |  Description |
|          |   |   |
| 31.1          |   | Certification by Robert H. Schottenstein, Chief Executive Officer, pursuant to Item 601 of Regulation S-K as Adopted Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.  (Filed herewith.) |
|          |   |   |
| 31.2          |   | Certification by Phillip G. Creek, Chief Financial Officer, pursuant to Item 601 of Regulation S-K as Adopted Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.  (Filed herewith.) |

----

|                 |
|-----------------|
|                 |  |
| M/I Homes, Inc. |
| (Registrant)    |
|            |   |
| By:             | /s/Robert H. Schottenstein  |
|            | Robert H. Schottenstein |
|            | Chairman of the Board, |
|            | Chief Executive Officer and President |
|            | (Principal Executive Officer) |

----

|               |
|---------------|
|               |  |  |
| ExhibitNumber |   |  Description |
|          |   |   |
| 31.1          |   | Certification by Robert H. Schottenstein, Chief Executive Officer, pursuant to Item 601 of Regulation S-K as Adopted Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.  (Filed herewith.) |
|          |   |   |
| 31.2          |   | Certification by Phillip G. Creek, Chief Financial Officer, pursuant to Item 601 of Regulation S-K as Adopted Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.  (Filed herewith.) |