• Skip to primary navigation
  • Skip to main content
  • Skip to footer
  • Contact
  • Follow Us
  • Facebook
  • Twitter
  • ArabicChinese (Simplified)EnglishFilipinoSpanishVietnamese
frontier logo

Frontier Housing

Affordable housing is one step away.

  • Services
    • Build a homeBuild a homeWith Frontier Housing, building the perfect home for your family can be a reality. You select the house plan, and we take care of the rest--from hiring contractors to finding materials to meeting with inspectors.Learn More
    • Get a home loanGet a home loanOur experts can connect you with an affordable home loan that makes sense for you--even if you have been turned down by a bank. Learn More
    • Buy a homeBuy a homeWe believe homeownership transforms lives. That’s why Frontier Housing offers quality, energy-efficient homes within reach.Learn More
    • Build my creditBuild my creditNo matter where your credit is at right now, Frontier Housing can help you make a plan to improve it-100% for free.Learn more
    • Repair a homeRepair a homeAre home repairs impacting your quality of life? Frontier Housing offers affordable repairs and rehabilitation with experienced contractors.Learn More
    • Rent a homeRent a homeWe offer rental homes with rental assistance to help while you’re rebuilding your credit, saving for a down payment or just not quite ready to dive into homeownership.Learn more
  • Impact
    • Our ImpactOur ImpactSince 1974, Frontier Housing has been connecting folks to the resources they need to own a home. Because homeownership makes communities better.Learn More
    • Housing portfolioHousing portfolioDiscover our portfolio of beautiful, energy-efficient homes. Our talented contractors can give you the home of your dreams at a price you can afford.Learn more
  • Give
    • Donate
    • VolunteerVolunteerFrontier Housing provides opportunities to volunteer both on the job site and in the office. Learn more
  • About
    • Who we areWho we areMeet the Frontier Housing family. We believe in the transformative power of homeownership and are committed to helping people achieve that dream.Learn more
    • What we doWhat we doWe believe homeownership transforms lives. So, we have dedicated the past 45 years to breaking the barriers that prevent folks from purchasing their own home.Learn more
    • CareersCareersWe believe in healthy work and life balance and support our employees with excellent benefits and flexible schedules. Learn more
    • LinkedIn
    • Indeed
    • Public Notices
    • Press Releases
  • Start Here

Get a home loan

Our experts can connect you with an affordable home loan that makes home ownership a reality.

Frontier Housing believes in access to fair financing. With reasonable interest rates and down payment assistance, we can connect you with an affordable home loan that makes sense for you–even if you’ve been turned down by a bank. Our loan department staff are NMLS licensed and registered, and have over 30 years of lending and underwriting experience. 

Apply for a loan
new home
new home 1

Types of loans and Assistance


USDA (United States Department of Agriculture) Guaranteed Loan

This no down payment, 100% financing program provides low- and moderate-income households the opportunity to own an adequate, modest, decent safe and sanitary home.

USDA Direct Loan 

This program helps low- and very-low income applicants buy decent, safe, and sanitary housing in eligible rural areas by providing payment assistance to increase their repayment ability.  Payment assistance is a type of subsidy that reduces the mortgage payment for a period of time.

Perfect option for you need payment assistance, as this loan does not require a down payment or a high credit score.

Frontier Housing Loan

Frontier Housing is a CDFI (Community Development Financial Institution) dedicated to delivering responsible, affordable lending to borrowers.  Frontier underwrites, approves, and closes these loan requests. 

This is perfect for borrowers who do not qualify for others types of financing or have a unique property.

VA (Veterans Affairs) Loan

The single-largest benefit of the VA loan is that qualified Veterans can purchase without a down payment and no private mortgage insurance.  This loan is guaranteed by the Department of Veterans Affairs and eligible borrowers can purchase a residence or refinance an existing mortgage.

They are perfect for veterans and have perks like no down payment, no mortgage insurance, relaxed qualifications and lower closing costs. They also don’t allow a prepayment penalty.

FHA (Federal Housing Administration) Loan

An FHA loan is insured by the federal government and offers homebuyers easier qualification and smaller down payments.

They are especially popular with first-time homebuyers.

HomeReady Mortgage Loans

These loans allow Frontier to serve today’s market of creditworthy, low- and moderate-income borrowers with down payments as low as 3.5% for first-time homebuyers and refinance.

They are perfect for people with a minimum credit score requirement of 620.  People with credit scores above 680 may even get a better interest rate.

Refinance Loan 

Frontier offers refinance loans that are perfect for people wanting to lower their interest rates or who need cash for home improvements.

Home Loans for Hometown Heroes

Frontier is proud to support our Hometown Heroes!  Military, emergency, healthcare, and employees of educational institutes in Frontier’s service region benefit from .25% interest rate deduction, up to $400 toward appraisal costs, and a credit report at no charge.

Down Payment Assistance

Frontier offers funds that assist homebuyers with funds, reducing the amount needed for a down payment.

Apply for a loan

Worried about your credit?


We can help.

Your mortgage profile includes factors like credit score, employment and rental history and debt to income ratio. Frontier Housing can work with you to improve all of these factors and create a plan for homeownership.

Learn more
happy couple

Footer

frontier logo
Client Login
Donate

Morehead Office

5445 Flemingsburg Rd
Morehead, KY 40351

P: 606.784.2131 (TTY: 711)
F: 606.548.5476

Ashland Office

1212 Bath Avenue
Skytower Floor 3 Suite 380
Ashland, KY 41101

P: 606.784.2131 (TTY: 711)
F: 606.548.5476

  • Services
    • Build a homeBuild a homeWith Frontier Housing, building the perfect home for your family can be a reality. You select the house plan, and we take care of the rest--from hiring contractors to finding materials to meeting with inspectors.Learn More
    • Get a home loanGet a home loanOur experts can connect you with an affordable home loan that makes sense for you--even if you have been turned down by a bank. Learn More
    • Buy a homeBuy a homeWe believe homeownership transforms lives. That’s why Frontier Housing offers quality, energy-efficient homes within reach.Learn More
    • Build my creditBuild my creditNo matter where your credit is at right now, Frontier Housing can help you make a plan to improve it-100% for free.Learn more
    • Repair a homeRepair a homeAre home repairs impacting your quality of life? Frontier Housing offers affordable repairs and rehabilitation with experienced contractors.Learn More
    • Rent a homeRent a homeWe offer rental homes with rental assistance to help while you’re rebuilding your credit, saving for a down payment or just not quite ready to dive into homeownership.Learn more
  • Impact
    • Our ImpactOur ImpactSince 1974, Frontier Housing has been connecting folks to the resources they need to own a home. Because homeownership makes communities better.Learn More
    • Housing portfolioHousing portfolioDiscover our portfolio of beautiful, energy-efficient homes. Our talented contractors can give you the home of your dreams at a price you can afford.Learn more
  • Give
    • Donate
    • VolunteerVolunteerFrontier Housing provides opportunities to volunteer both on the job site and in the office. Learn more
  • About
    • Who we areWho we areMeet the Frontier Housing family. We believe in the transformative power of homeownership and are committed to helping people achieve that dream.Learn more
    • What we doWhat we doWe believe homeownership transforms lives. So, we have dedicated the past 45 years to breaking the barriers that prevent folks from purchasing their own home.Learn more
    • CareersCareersWe believe in healthy work and life balance and support our employees with excellent benefits and flexible schedules. Learn more
    • LinkedIn
    • Indeed
    • Public Notices
    • Press Releases
  • Start Here
  • Contact
  • Follow Us
  • Facebook
  • Twitter
NeighborWorks America

Language Translate

ArabicChinese (Simplified)EnglishFilipinoSpanishVietnamese

© 2023 Frontier Housing | Terms | Privacy | Sitemap

made by P&P