Frequently Asked Questions


What is Frontier Housing?
Frontier Housing is a non-profit affordable housing provider offering home building, mortgage lending, and homebuyer education. Our goal is to help people to become homeowners. Our Promise to you is a quality home with fair financing.

Who is Eligible?
Frontier Housing has a range of programs to serve families at many different income levels. We can currently serve households with incomes with $750 per month with owned property and $860 per month without owned property. However, these limits are subject to change based on available funding. Our service area includes the City of Ashland, Bath, Carter, Elliott, Fleming, Magoffin, Menifee, Morgan, Rowan, and Wolfe Counties.

Does It Matter if I Have Bad Credit?
Your past credit plays a role in whether or not we can approve a loan for you. However, if your credit is a problem, we have programs that can work with you to help clear up past mistakes.

Does it Matter How Old I Am? Or What Size My Family Is?
No. You must be at least eighteen to legally sign a loan agreement, but Frontier offers services regardless of how old you are or how many people will be living in your home. Frontier provides equal housing and lending opportunities and does not deny services to anyone based on race, color, national origin, religion, age, familial status, or handicap status.

What Kind of House Can I Get?
You have many options with Frontier. We have a variety of ranch style homes that have vinyl siding and range from about 1,000 to 1,600 square feet. Click here to see drawings and floor plans of Frontier homes. Depending on the program you qualify for you may be eligible to buy an existing house, a modular home, or a manufactured home.

How Many Bedrooms Can I Get?
It depends on what you can afford. Most of the homes Frontier builds have three bedrooms. More bedrooms may be approved, but it depends upon your family size and situation. And of course, this would change depending on whether you were purchasing an existing home. Basically, it depends on how much house you can afford for your income.

How Long Does it Take?
If you have no credit problems and choose land or a home that we have available, or if we can build on land you already own, we can get you into your new home in about four months. The process can take longer if you need to resolve credit issues or if you take a while to find land.

How Much Will My Payment Be?
Your monthly payment will include your house payment, homeowners insurance, and property taxes. While this may vary based upon the program that you qualify for, you will generally pay between 25% and 29% of your gross monthly household income. Your home purchase price, income and credit score will impact your payment.

Why Does Frontier Do This?
Frontier was founded in 1974, when a few committed volunteers got together to help folks in the area who needed better housing. They believed, as we do today, that everyone deserves a safe, decent, and affordable home. By helping people become homeowners, we hope to improve individual lives, but we also feel that we are building better, stronger communities that are good for all of us.

How Do I Apply?
Contact us! The first step is to provide some simple information over the phone. Then we’ll schedule you to come to our office to find out more about how the program works, and what the next steps are. You can reach our Home Ownership Center at (606) 784-2131, or click here..