Frontier's Home Ownership Programs


Frontier Housing works with eligible families and individuals to help them become homeowners or to otherwise find solutions to meet their housing needs. You have several options for homeownership through Frontier Housing, depending upon your needs and the program for which you qualify. You can purchase a new home built by Frontier Housing, or you may be eligible to purchase an existing, modular, or manufactured home.

Buying a home is often a family’s greatest expense; we realize that the process can be intimidating. Home Loan Specialists at Frontier’s Home Ownership Center are available to help walk you through the financing and purchasing process with our Homebuyer Education Workshops and one-on–one sessions.

In addition to being a builder, Frontier Housing is a home mortgage lender. While we maintain our own loan funds, we also work with a variety of lenders including Kentucky Housing Corporation, USDA’s Rural Development, the Federal Home Loan Bank of Cincinnati, Federation of Appalachian Housing Enterprises, US Department of HUD, Neighborhood Housing Services of America, and local banks. A Home Loan Specialist will work with you to find the program, and financing that best meets your needs. Many of our programs require little or no down payments, and all provide affordable financing based on your income.

General Eligibility
To be eligible for any of our homebuyer programs, applicants must:

  1. Have a minimum household income of:
    - $750 per month with owned property
    - $860 per month without owned property
  2. Consistent work history
  3. Have an acceptable credit record
  4. Are currently living or relocating to our service area

How to Apply
Contact a Home Loan Specialist at (606) 784–2131, ext. 224 to schedule an appointment at our Home Ownership Center in Morehead. A Home Loan Specialist will take some initial information, and schedule an appointment to discuss your needs more thoroughly. They may also schedule you to attend a Home Buyer Education Workshop.

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