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Frontier Families

Read about some of the members of our Family.

A Home for the Holidays

Just in the nick of time
The Sagraves moved a 1975 mobile home onto their mountain and began building their idyllic life together. However, despite their love for one another, times were hard. “Windstorms would shake the pictures on the wall,” remembers Jackie, “and in the winter, the front door would freeze up and we’d be stuck inside for days.”
Bobby learned about Frontier Housing from his cousin, who worked at Grayson Rural Electric Co-Op.

The Sagraves describe their experience working with the staff at Frontier as, “Wonderful!” “They all supported us, I can say that,” Jackie exclaims.
“They made it so simple—no headaches, no frustration,” adds Bobby. They both agree that, over time, Frontier Housing began to feel like family.

In just months, the Sagraves’ home was built from the ground up. Remembering the construction of their home, Bobby says, “Every time I drove up, something else had been done.” The kindhearted pair showed their appreciation by doting on the construction crew; rewarding them one afternoon with lunch from Kentucky Fried Chicken, which the crew enjoyed while admiring the view from the couple’s favorite picnic spot.

Frontier was able to piece together an affordable financing package for the Sagraves using:

NeighborWorks® Capital Funding for the Rehabilitation of Affordable Housing (specifically awarded to assist in replacing pre-1976 mobile homes)
HOME Funds - The National Affordable Housing Act of 1990 (awarded to assist in building new and affordable homes in northeastern Kentucky)
A USDA Rural Housing mortgage (which offers the only zero money down program available to borrowers that have not served in the military)

Full story* ...

“Step” Toward A New Life

Living in an upstairs apartment with her son for two years, one of Erica Gregory’s biggest concerns was her son falling down the stairs and getting hurt. “I don’t have to worry about my son getting hurt anymore; I’m so relieved.”

Erica is a single mother who is a full-time student majoring in Paralegal Studies at Morehead State University. Frontier Housing was able to help Erica, who was referred by local partner, Morehead Electric, acquire a loan to build her home on 13 acres of land purchased from her grandfather on Skaggs Road in Morehead. The house built on the property is a 1,314 square foot, 3 bedroom, 2 bathroom home using the “Windsor Trace” home plan, a new home design for 2011 for Frontier.

The house is Energy Star efficient, receiving a 64 HERS rating on the Energy Star index. Being such an energy efficient home, Erica can expect her utility bills to be very manageable each month.
When asked how she has been enjoying her new home, Erica’s response was, “It’s everything I wanted in a house; it’s perfect.” She really enjoys having the opportunity to make changes she wants to her home as she sees fit, without having to have approval from a landlord.

Frontier Helps Kentucky Flood Victim Rebuild Home

Mauk photo In October 2005, Frontier customer Joann‘s Mauk‘s husband of 27 years passed away after a four year battle with lung cancer. He was the love of my life and my best friend. I was devastated.

Joann was forced to place their home in Nicholasville back on the market to avoid foreclosure.

In May 2010, Olive Hill experienced devastating damage in a wave of flash floods. Joann’s ground floor apartment was destroyed. The place was full of muddy water I lost so much. Pictures of my husband, everything.

Joann found out about Frontier from a brochure.

(Read More …)

A Fresh Start at Edgewood

When mother of three, Alice Penix, and her husband separated after 33 years of marriage, she knew it was time for a fresh start.

Once she was prequalified for a home, Chris Robbins took her for a tour of The Community at Edgewood. Alice points to the front door of her home on Cotter Lane, “This was the first house I looked at. I walked in, and I knew right away that it was my house.”

Alice feels safe and secure in her neighborhood. The quiet, family atmosphere is her favorite thing about living at Edgewood. “It’s so peaceful.”

(Read More…)

Mommy and Daddy love our new home… me too!

Thousands of families live in old mobile homes with high electric bills. Harley Wright, his mom and dad, and his brother Hunter are no longer one of those families. Thanks to Frontier Housing and Licking Valley RECC, they have a comfortable new home with affordable electric bills.

If you live in an older mobile home, contact Frontier Housing and Licking Valley. They don’t exist to make money, but to improve lives.
Harley’s old home
www.lvrecc.com 1-800-596-6530
www.frontierhousing.org 1-877-308-3837

(Read More*…)

They did it right, like it was their own home.

Amanda Caines, a mother or three, had a run of bad luck. Her home was falling apart, she’d lost her job, gone through a divorce and suffered a knee injury.

Luckily, she got help improving her home through Frontier Housing. They sent 18 people who helped make repairs. Fleming-Mason works with Frontier Housing to provide materials that increase energy efficiency of homes for people like Amanda.

If your home is in desperate need, contact Fleming-Mason Energy or Frontier Housing. If you qualify for assistance, they may be able to help. They don’t exist to make money, but to improve lives.

www.fmenergy.net 1-800-464-3144
www.frontierhousing.org 1-877-308-3837
(Read More*...)

It makes my kids proud to live in a house.

Living in an apartment, Trista Nedeff, a single mother of two, dreamed of owning a home.

Thanks to Frontier Housing and Clark Energy that dream came true. Frontier helped her find affordable financing. Clark advised her on how to seal and insulate her home.

Today, Trista owns her own home in the Bath County community of Preston. Her kids play in the yard, and she has affordable electric bills.

If you’d like to build an energy-efficient home, contact the professionals at Frontier Housing and Clark Energy. They might help you to realize your dream.

Frontier Housing and Clark Energy, partnering for better homes today and better lives tomorrow.
www.clarkenergy.com 1-800-992-3269
www.frontierhousing.org 1-877-308-3837
(Read More*...)

Drucilla’s House Goes Green

Drucilla feels like she is living in a new home since Green Solutions, Frontier Housing’s new program, finished a $22,000 green rehabilitation of her home. The economic down-turn has most severely impacted the elderly, persons with disabilities and families with limited income. The rising cost of utility bills is just one more burden. Everyone is aware of the push to weatherize homes, but much more is needed to help those least able to afford the rising cost of utilities.
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A Room for All…Room for the Whole Family

Jim and Marie King have struggled for years with finding decent and affordable housing for themselves and their 5 daughters.
The Kings worked with Josh Trent, Frontier’s Communities and Design Division Director, to pick out suitable property and an ENERGY STAR home design that would suit their family’s needs.
Finally, the Kings are able to spend more money on raising their five active girls and less on utility bills and substandard rentals.
(Read More...)
(Download Print Version - click here*)

Ask Mrs. Kelly - Dreams Do Come True

She is now the proud owner of a new home that will provide she and her grandchildren with warmth, durability and energy-efficiency for many years to come. In her words, “her dream home.”
Her home is part of Frontier's new program replacing pre-1976 HUD Code mobile homes with new ENERGY STAR manufactured homes.
(Read More...)
(Download Print Version - click here*)

A Home Built for a Queen

Click. Click. Click. That is the sound you hear as Mandy runs across the floor of the kitchen in her new Frontier home; the new home that she shares with her owners, Keith and Clara Freeman. Mandy is a small 4 year old terrier mix that enjoys spending her days curled up on the couch at Clara’s side. She is their little queen.
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Robert’s “Smokey Mountain” View

Robert was "tired of renting apartments and wanted to settle into a home of his own." He missed the spacious feeling he fondly remembers from his childhood years on his Granny’s acres. Like many from eastern Kentucky, he yearned to return to the land of his youth.
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Lorie Zientara

Lorie Zientara had always dreamed about purchasing a home of her own. Through a community financial class given by Gateway Community Action Agency, Lorie learned that she had the opportunity to become a homeowner with Frontier Housing. After attending Frontier’s “Realizing the American Dream” homebuyer education class and hard work, she purchased an existing home in Globe, Kentucky. What makes this story unique is the partnership between the two organizations, Frontier Housing and Gateway Community Action Agency.
(Read More...)

The Lyons Family

Many wanted a fresh start in a place where they could work, learn and play; a place where a family feels safe in their home. Jennifer Lyons and her family came for all of these reasons. Jennifer called the number in the radio ad and was soon working with a Home Loan Specialist from Frontier Housing....(Read More...)

The Gilliams

As a single mother, Carolyn points out, life can be a little bit harder for her than it is for others, and people often didn’t give her a chance. If it weren’t for Frontier Housing, Carolyn says, she would never be where she is now. “I would recommend it to anybody. If it wasn’t for Frontier, I would never have been in this house,” she says. “This is ten years of hard work finally paying off. It's finally paid off.”...
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The Cox Family

It’s been just over ten years since Phillip, Mary, and their three sons moved into their new Frontier Housing home. The sturdy house is no longer new, but the Cox family is still reaping the benefits of building a new home for their young family 11 years ago and will be for many years to come...
(Read More...)

The Tackett Family

This quiet little home in northern Rowan County looks ordinary from the outside. With the minivan in the driveway and a clean and well-tended lawn it could be anybody’s home, but to its owners it’s a very special place. It’s a first home, a home for their family, a last home, and most importantly, a home of their own...(Read More...)

Rob Sammons

Rob had always rented and although he says that he “viewed it as throwing away money,” he wasn’t eligible for a traditional bank loan. Thankfully, US Bank referred him to Frontier Housing, and to Rob’s surprise he was eligible for a loan through Frontier... (Read More...)

The Gibsons

Corbett and Regina Gibson have three children and up until just a few months ago, all five of them shared a 1972 model 14x17 foot trailer. Corbett describes the trailer as “rundown” and says that before they moved into their new home, the entire family shared one bedroom. He says he often slept on the couch in the living room, and he jokingly says that he used to get the “Beverly Hillbillies” theme song stuck in his head......(Read More...)

Lee and Lucille Allen

Lee and Lucille Allen grew up in Breathitt County, but they had always loved Wolfe County…as Lee says, “There ain’t no place like Wolfe County” and so when he found work there as a policeman, they moved and raised their five children in Campton. Lee performed on the side as a bluegrass musician and has played and recorded with Ralph Stanley and other famous bluegrass artists. But even with the success of their careers and family, the Allen’s were in their sixties by the time they finally purchased their own home.....(Read More...)

Just Ask Wilma

In 1953, Wilma Mabry moved to Rowan County from West Virginia, and she’s been here ever since. For the last 30-40 years she’s lived in the same house on Big Woods Road, near the Fleming County line. It was in this house that she raised her four children and she is still able to live there today, thanks to the help of Frontier Housing’s rehab program....(Read More...)

The Callahans

Kyle Callahan and his wife, Amanda, both grew up in Morehead, Kentucky. When they left the area so Kyle could take a position as a police officer at the Cincinnati airport, they expected to one day return to their hometown. What they didn’t expect was to be living in the same neighborhood where Kyle had grown up, around the block from his parents....(Read More...)