Frontier Housing Inc

Frontier Housing, www.frontierhousing.org, an affordable housing nonprofit for 40 years in Eastern Kentucky, builds and develops single and multi-family housing.  Frontier, a NeighborWorks® Network HomeOwnership Center with an Exemplary rating, is the largest residential builder in its service area and the largest nonprofit single family builder in Kentucky.  We work in Northeastern Kentucky: Bath, Boyd, Carter, Fleming, Elliott, Morgan, Menifee, Magoffin, Montgomery, Rowan and Wolfe Counties.

As a Community Development Financial Institution (CDFI) and a NeighborWorks® Full Cycle Lender, Frontier has a reputation of ensuring sustainable homeownership with low foreclosure rates of less than 1%.

We recognize the practicality of energy efficiency in housing to enhance each family’s ability to afford their home over time.  Frontier has pioneered affordable methods to achieve monthly savings in utility bills. This leadership has been rewarded by the Housing Assistance Council (HAC) nationally and the Federation of Appalachian Housing Enterprises (fahe) regionally. These nonprofit housing awards are complemented by Frontier’s recognition for the past three years as the largest producer of ENERGY STAR homes in Eastern Kentucky Power Cooperatives (EKPC) power grid despite competition with for-profit builders.  Frontier’s green rehabilitation and replacementhousing program is accredited by the Building Performance Institute (BPI).  Our program offers energy efficient rehabilitation of existing homes and ENERGY STAR replacement homes. 

Frontier Housing was founded in 1974, when a few committed volunteers, supported by area churches, worked to provide solutions for the tremendous numbers of families who were living in unsafe, overcrowded and unaffordable conditions.  Frontier has grown from these volunteers into a professional, productive, nonprofit provider of housing solutions.

Historically assisting over 1,000 families, we now provide over 120 housing solutions each year.  Over the years, we have added $80 million to the local tax rolls.  

These tax dollars support community building as they flow through to our local schools, businesses and region.  As a full-service housing provider, Frontier offers homebuyer education, affordable home mortgage loans, subdivision development and a wide range of home choices including site-built, modular, manufactured housing and rental options.  These homes support our workforce families and through them our industries, University and hospital employee base.  When flooding or tornadoes strike; Frontier plays an important role in providing speedy and cost effective rebuilding options for our service area.

Though the range and scope of our services have grown in size and sophistication over the years, we believe today, as we did when we were founded, that everyone deserves a safe, decent, affordable home. By helping people to meet their housing needs, we hope not only to improve individual lives but also to build better, stronger communities that are good for all of us.

Frontier has proven that when quality products are coupled with responsible lending, individuals of all incomes can be successful homeowners.