CEO, Commercial Bank
Frontier Housing has certainly provided
affordable housing for a segment of the
community that would not otherwise be able to
afford a new home. In Morgan County, there is a
particular need for moderately priced single-family
homes that Frontier Housing is working to fill.
Rather than being competition, Frontier has
formed a wonderful alliance with Commercial
Bank and with a team effort we are better able to
serve low-income families with their housing
needs. We appreciate Frontier being in our county
and in our market.
City of Morehead
would take me a while to count the ways that Frontier Housing has been an
asset to our community. Frontier has been important not only to the City
of Morehead and to Rowan County, but really to the entire region. They
have provided quality affordable housing to people who would never have
been able to afford it otherwise. They have partnered with the City of
Morehead on affordable housing projects on several occasions, and have
been a wonderful partner. When you provide somebody with a safe, decent,
sanitary home, youíre affecting the community in several ways. First you
are more than likely getting rid of dilapidated, run-down housing that
wasnít worth very much and replacing it with a better home that will bring
more money in on the tax rolls. But itís more than that. I have seen it
happen time after time. When you provide someone with better housing, the
heads of household ó the parents ó the breadwinners ó think better of
themselves. They commit to their homes and their communities. They take
better care of their property and keep it looking better. They become more
involved in their community. Theyíre able to get better jobs with better
wages, which allows them to spend more money in the community, which again
increases taxes coming in to the community. Itís a wonderful, wonderful
Executive Director, Economic Development Council
in economic development, I understand the importance of providing a good
quality of life for people who live in our area and who will be the
employees that are needed for companies and businesses who locate here.
One of the most fundamental aspects of good quality of life is access to
quality, affordable housing. Frontier Housing has been at the forefront of
providing good, clean, quality affordable housing in our area for years.
Many people are in better housing because of Frontier. Happier employees
mean more productive workers, which mean happier employers. Availability
of needed housing definitely has an impact on the community as a whole. We
appreciate Frontierís efforts to support families in our community.
G.R. (SONNY) JONES,
CPA Vice President, Finance/CFO,
St. Claire Regional Medical Center
One of the most compelling factors for me in making the decision to serve
on Frontierís Board of Directors was that their mission was compatible
with the work we do at St. Claire Regional Medical Center. Frontier is a
longstanding organization that provides housing for those in need who
perhaps couldnít otherwise afford it, much the same as St. Claire Regional
has a long history of providing health care for those in need who may not
otherwise be able to afford it. In fact, the two issues go hand-inhand.
Poor housing conditions can dramatically affect health. Families who can
not afford safe, decent housing can need higher levels of health care. St.
Claire Regional fully supports Frontierís mission. Also, I feel that by
serving on Frontierís Board of Directors I am giving back to the community
where I grew up and that I now call home.
Branch Manager, US Bank
I have been associated with Frontier Housing for 17 years in my capacity
with local banks in the area, and have always thought that it was a great
organization. There are many opportunities for non-traditional mortgage
financing on the secondary market these days, but people have to be making
a certain income to qualify for these opportunities. By using several
different pots of funding available to them as a non-profit, Frontier
makes homeownership a possibility for low- and moderate- income families
that conventional banks and lending institutions cannot touch. They also
provide Homebuyer Education to help prepare potential homebuyers to become
mortgage ready and to understand the responsibilities of homeownership.
They really fill a void in the community with the homeownership services
they offer. In addition to the mortgages they make available, the homes
they build are very nice. At one time, affordable housing groups built
what we in the banking industry called the FHA house ó a very basic,
small, square box house that you could almost pick out when you saw one.
Frontier is really offering so much more with spacious, attractive houses.
Frontier houses are much more than just a roof overhead, they are truly
Superintendent, Elliott County School System
have been very impressed by Frontier Housing, not only because they build
nice houses, but also because of how energy-efficient their homes are.
This really makes the houses more affordable to low-income buyers. Funds
that went out the chimney or through the cracks of an older home can now
be used for other purposes ó to put food on the table, or buy clothes for
the kids. Children canít get a good education if they arenít properly
housed, fed, and clothed. Frontier has definitely made progress in this
area, and they have also provided housing for our employees. One of our
bus drivers lives in a home built by Frontier, and he is always bragging
in the winter about how low his utility bills are. Frontier has had a very
positive impact in our community not only by adding fine housing, but also
by offering employment opportunities. We are lucky to have them in the
* Photos by Ann W. Olson