The Federal Home Loan Bank of Cincinnati has a program in which homeowners and renters who were displaced or who suffered damage to their primary homes might be eligible for grants of as much as $20,000 toward the purchase, construction or repair of a home.

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While a member of Frontier’s Board of Director’s, Sonny served as the Treasurer of the Board as well as the Committee Chair for the Finance/Audit Committee. He was also a member of Frontier’s Strategic Planning Committee. As a member of this committee, Sonny helped shape the direction of the organization and provided invaluable support and feedback through a change of organizational leadership and the launching of a new business model.

It is the guidance and support of community leaders like Sonny that have made Frontier the strong and innovative organization that it is today.

Thanks again, Sonny!

Given Frontier Housing’s 37 years of experience providing housing solutions, we know our proper role will not be in immediate emergency or disaster relief.  Our strength will be in offering help to families longer term as they struggle to bring back some normalcy.  We know the many unmet needs that will emerge for these families when the immediate compassionate relief is past and they try to re-establish a household.

We appreciate your help in serving these families and through them, their communities.

Online donations:
Click JustGive.org
For “Designate my donation”,
enter “Welcome Back Home”,
Post Storm Rebuilding

By check:
(please designate “Welcome Back Home”, Post Storm Rebuilding) send to:
Frontier Housing
5445 Flemingsburg Rd.
Morehead, KY 40351

For information about volunteering to help these communities, please visit Morehead State University’s MSU CARES – Disaster Relief for Kentucky.

For additional information, please visit the Morehead-Rowan County Chamber of Commerce web site.

Want to find out more information about this home? Feel free to call the Frontier HomeOwnership Center at (606)784-2131!
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Sagraves New Home

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)

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Sagraves Prior Home

Frontier would like to offer many thanks for the community support that we received. Twenty-two teams were sponsored at the scramble and we were very fortunate to have over thirty tee-box and green sponsorships from local businesses and individuals. We were also very happy to have had dozens of door prizes donated by area businesses. We are pleased to have maintained our relationships with those who sponsored or donated the last two years; and are excited to have made many meaningful connections and deeper ties in the community. Your support is deeply valued and necessary for Frontier’s future success in providing affordable housing to more people in Eastern Kentucky.

NeighborWorks HomeOwnership Centers pave the road to long-term affordable homeownership for thousands of homebuyers and homeowners each year. We help area residents achieve homeownership the NeighborWorks way:

• Prepare for long-term homeownership through homebuyer education;
• Invest wisely with affordable and appropriate mortgage products; and
• Retain your home through preventative home maintenance, timely home repair and rehabilitation.

Frontier’s NeighborWorks® HomeOwnership Center is one of over 100 Neighbor-Works HomeOwnership Centers across the U.S. In 2010, NeighborWorks helped 16,700 homebuyers achieve their dream of homeownership. Services and products provided through the Center include:

• Homebuyer education courses;
• Individualized pre-purchase advice (including repairing or establishing credit);
• Home inspections, as well as renovation specifications and cost estimates;
• Affordable first mortgage financing;
• Affordable second mortgage financing for down payments, closing costs or renovations;
• Access to real estate agents and services, insurance services and contractor referral and construction monitoring;
• Workshops on home maintenance and repair;
• Post-purchase counseling, leadership development, budget and credit management and delinquency prevention strategies.

In FY 2010-2011, Frontier provided $2,658,772 in direct homeownership investment, served 76 families with a housing solution and built 25 quality, energy efficient homes. Frontier also provided $217,000 in “green” housing rehabilitation and granted over $11,000 in down payment and closing cost assistance for homebuyers to afford local bank loans totaling $274,000.

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.

In total, 21 homes were selected to receive repairs. Repairs included painting, door repair, window replacement, gutter repair, and various other services. Additionally, three ramps were constructed to address accessibility issues for several homeowners.
Many MSU student and Greek organizations participated in the event. Volunteers received a free breakfast, lunch, and a complimentary t-shirt for their participation.

Morgan Sloas (’11) of Flemingsburg served as a first-time volunteer and found the experience to be quite rewarding.
“I enjoyed giving my time back to my neighbors and helping those in need,” Sloas said. “I think the program was a big success.”
For more information about the Morehead-Rowan County Repair Affair, contact Randy Manis, MRCRA chair, at (606) 783.5399.