It's great that you're meeting in that way and I make no criticism, but a church will have officers, Biblical discipline and observation of the ordinances. Your home group may grow into a church, but unless it has those features, it is not yet one.
A church is the people described in Acts 2:41-47. They have gladly received the word of God, been baptized, and now they meet together under a leadership, learning more of the faith, joining together in the Lord’s supper and in prayer, looking to each other’s needs, having joy in their hearts and praising God together.
A church is the people described in 1 Cor 1:2-8. They have been set apart in Christ, called in holiness, have received undeserved favour and peace from God; their knowledge of God and their witness to Him comes from the Holy Spirit, who has given them corporately all the gifts they need to function as a church, as they eagerly await the return of their Lord who will preserve them in Him until that day.
The Lord Jesus is continuing to build His Church even at this present time (Eph 2:21-22 ); she is His bride; He has purchased her with His own blood and she is a chaste virgin. As it is written, ‘In that day there shall no longer be a Canaanite in the house of the Lord of Hosts’ (Zech 14:21 ). It is the duty of the leadership of each individual church to seek to make the assembly in its charge as pure as possible (2 Cor 11:2 ).
The Church is composed of those who have come out of the world to join it. They are no longer what they were (Eph 5:8 ). Peter speaks of them as ‘sojourners and pilgrims’ (1 Peter 2:11 ). Paul told the church at Philippi, ‘Our citizenship is in heaven’ (Phil 3:20 ), and to the Colossians he said, ‘[God] has delivered us from the power of darkness and conveyed us into the kingdom of the Son of His love’ (Col 1:13 ). The church at Thessalonika had, ‘Turned to God from idols to serve the true and living God’ (1 Thes 1:9 ). They came out of the world and into the church. Now some will say immediately, “Ah, yes. But this refers to the invisible church. In the visible church there are many who are in the world and in the church at one and the same time.” Perhaps, but this is simply not the language of Scripture. When Paul writes to the church at Colossae, he is addressing, ‘The saints and faithful brethren in Christ’ (1:2 ). He knows nothing of a ‘visible’ or ‘invisible’ church, but only an assembly of true believers. If there were false brethren in the Colossian church, Paul’s letter is not addressed to them. It is true that there are exhortations to the believers to examine themselves (2 Cor 13:5 ), and warnings against falling away (Heb 6:4-8; 10:26-38 ), but the writer to the Hebrews remains confident that the recipients of his letter will remain constant (Heb 6:9; 10:39 ).
Although there may be disagreement between individual assemblies over secondary issues like church government or administration of the Lord’s Supper, there is unity over the basics: the authority and sufficiency of Scripture, the deity and humanity of the Lord Jesus Christ, His atoning death and resurrection, justification by faith alone and so forth. An assembly that does not hold to these fundamental truths is no church at all, but a synagogue of Satan. These are the very ‘things of the Spirit of God’ of which Paul speaks. It is not a matter of dead orthodoxy, but the unity of those who have been born again. The unity of an individual assembly is not preserved by glossing over contentious issues, but by appointing a church leadership which will ensure the preaching of the ‘whole counsel of God’ (Acts 20:27 ) and lead the church to grow into unity around the word of God (Eph 4:7-16 ).
Another distinguishing feature of a true church is love. The Lord Jesus told the apostles, “By this all men will know that you are My disciples, if you have love for one another” (John 13:35 ). We are to love all Mankind, even our enemies, but our first duty is to our fellow Christians (Gal 6:10 ). The first church made sure that there was no one within its ranks who was in need (Acts 4:32-37; 1 John 3:16-18 ). The members of a church are frequently a diverse bunch of people! They will often be from different social and economic groups, be of differing intellects, have individual personalities and have come from varying church backgrounds. Some may have very little in common with others, save a love of the Lord Jesus Christ. But that which draws them together is greater than that which separates them. ‘If someone says, “I love God,” and hates his brother, he is a liar; for he who does not love his brother whom he has seen, how can he love God whom he has not seen?’
[Taken from my blog post https://marprelate.wordpress.com/2009/08/31/what-is-a-church/ ]
. They would 1st want to bring me into their fold (which would be a major commitment to me in both time, distance & money). Then what happens to the people I have assembly with? Would they disband.....they have already decided that they want a close assembly & they like being in their own neighborhoods where they can disciple neighbors (who really need Christ). See, this aint easy.....unless the Mother Ship Church that you suggest gets off their arses & actually goes out....which they have already decided NOT to do. 
