5445 Flemingsburg Rd
Morehead KY 40351
Contact Information
Address 5445 Flemingsburg Rd
Morehead, KY 40351
Phone (606) 7842131
Fax 606 7842171
Contact Name Wendy Puckett
At A Glance
IRS Ruling Year 1974
Other ways to donate, support, or volunteer

Join us in providing housing solutions to build better communities by making a donation. Your donations are tax-deductible, as Frontier is a 501(c)(3) charitable organization.  Checks may be mailed to:

Frontier Housing
5445 Flemingsburg Rd
Morehead, KY 40351

You may also visit our web page at for additional donation options.

Financial Summary
Revenue vs Expenses - All Years
Expense Breakdown - Recent Year
Mission Statement Frontier Housing provides affordable housing solutions to build better communities. During our 40 year history, we have provided better housing conditions for over 1,000 families, have improved the region by removing blighted housing, and have touched an immeasurable number of people by improving their quality of life.
Background Statement

Frontier Housing, an affordable housing nonprofit for 40 years in Eastern Kentucky, builds and develops single and multi-family housing.  Frontier, a NeighborWorks® Network HomeOwnership Center with an Exemplary rating, is the largest residential builder in its service area and the largest nonprofit single family builder in Kentucky.  We work in Northeastern Kentucky: Bath, Boyd, Carter, Fleming, Elliott, Morgan, Menifee, Magoffin, Montgomery, Rowan and Wolfe Counties. As a Community Development Financial Institution (CDFI) and a NeighborWorks® Full Cycle Lender, Frontier has a reputation of ensuring sustainable homeownership with low foreclosure rates of less than 1%.

 We recognize the practicality of energy efficiency in housing to enhance each family’s ability to afford their home over time.  Frontier has pioneered affordable methods to achieve monthly savings in utility bills. This leadership has been rewarded by the Housing Assistance Council (HAC) nationally and the Federation of Appalachian Housing Enterprises (fahe) regionally.  These nonprofit housing awards are complemented by Frontier’s recognition for the past two years as the largest producer of ENERGY STAR homes in Eastern Kentucky Power Cooperatives (EKPC) power grid despite competition with for-profit builders.  Green Solutions, Frontier’s green rehabilitation and replacement housing program, is accredited by the Building Performance Institute (BPI).  Green Solutions offers energy efficient rehabilitation of existing homes and ENERGY STAR replacement homes. 


 Frontier Housing was founded in 1974, when a few committed volunteers, supported by area churches, worked to provide solutions for the tremendous numbers of families who were living in unsafe, overcrowded and unaffordable conditions.  Frontier has grown from these volunteers into a professional, productive, nonprofit provider of housing solutions.  Historically assisting over 1,000 families, we now provide over 120 housing solutions each year.  Over the years, we have added $82 million to the local tax rolls.  These tax dollars support community building as they flow through to our local schools, businesses and region.  

Though the range and scope of our services have grown in size and sophistication over the years, we believe today, as we did when we were founded, that everyone deserves a safe, decent, affordable home. By helping people to meet their housing needs, we hope not only to improve individual lives but also to build better, stronger communities that are good for all of us.


Frontier has proven that when quality products are coupled with responsible lending, individuals of all incomes can be successful homeowners.




Impact Statement
27 New homes designed, built and financed
27 Homes rehabilitated
176 Families received credit repair counseling
4 Foreclosures prevented
$3M in funds leveraged on behalf of families in eastern Kentucky


Service Categories
Secondary Organization Category Community Improvement, Capacity Building / Community & Neighbourhood Development
Tertiary Organization Category Housing, Shelter / Housing Development, Construction & Management
Geographic Areas Served
We work in Northeastern Kentucky:
Bath, Boyd, Carter, Fleming, Elliott, Morgan, Menifee, Magoffin, Montgomery, Rowan and Wolfe Counties.
Board Chair
Board Chair Mr. Scott Napier
Company Affiliation Walmart Store Manager
Term Jan 2014 to Dec 2014
Board Members
Mr. Proc CaudillKentucky Bank Board of DirectorsVoting
Ms. Wanda CharlesFrontier Housing HomeownerVoting
Ms. Sherry FarleyEx Officio MemberExofficio
Mr. Bradley FrizzellMayor of Salt Lick, KYVoting
Ms. Carol JacksonCommunity and Human Rights AdvocacyVoting
Mr. Brock LitteralVice President - Commercial Bank of West LibertyVoting
Mr. David LollisFormer Housing Director and Low Income Housing AdvocateVoting
Mr. Scott NapierWalmart Store ManagerVoting
Mr. Steve SchultzFrontier Housing HomeownerVoting
Ms. Joan WilsonRetired Fannie Mae and Fannie Mae Foundation DirectorVoting
Ms. Penny YoungFormer Program Officer with Kentucky Housing CorpVoting
Board Demographics - Ethnicity. Add number
Asian American/Pacific Islander 0
Caucasian 10
Hispanic/Latino 0
Native American/American Indian 0
Other 0 0
Board Demographics - Gender
Male 6
Female 5
Unspecified 0
Board Term Lengths 3
Board Term Limits 0
Board Meeting Attendance % 78%
Written Board Selection Criteria? Under Development
Written Conflict of Interest Policy? Yes
Percentage Making Monetary Contributions 87%
Percentage Making In-Kind Contributions 17%
Constituency Includes Client Representation Yes
Number of Full Board Meetings Annually 4
Board Co-Chair
Board CoChair Mr. David Lollis
Company Affiliation Former Housing Director and Low Income Housing Advocate
Term Jan 2014 to Dec 2014
Standing Committees
Development / Fund Development / Fund Raising / Grant Writing / Major Gifts
CEO/Executive Director
Executive Director Ms. Sherry Farley
Term Start Oct 2006

Sherry L. Farley was chosen President & Chief Executive Officer of Frontier Housing in August of 2010,. Sherry played a crucial role at Frontier as Acting CEO and formerly as Vice President & CFO for over three years. Frontier Housing, a nonprofit committed to providing affordable housing choices for families living in the rural northeastern part of the Commonwealth, is located in Morehead, Kentucky. Frontier is a NeighborWorks® Chartered Member with an Exemplary rating. 


Sherry’s hands-on experience with Frontier’s financial and budgetary policies, finance and investment management and human resource management allowed her to bring a stable continuity to this transition. During her tenure with Frontier, Sherry guided the process for Frontier to achieve the designation of Community Development Financial Institution from the US Treasury and launched an energy efficiency rehabilitation program, “Green Solutions”.


Prior to her work with Frontier, Sherry served as Senior Vice President, CFO and COO of Peoples Bank in Morehead, Kentucky where she worked for more than twenty years. Sherry has a graduate degree in banking from the University of Wisconsin and an undergraduate education in business administration and accounting.


Sherry is a graduate of the NeighborWorks ® Achieving Excellence in Community Development program in collaboration with Harvard University’s Kennedy School of Government. Sherry was one of 49 leaders selected for this Achieving Excellence class – a prestigious and highly selective training program offered by NeighborWorks ® America in collaboration with the Kennedy School of Government.


Full Time Staff 13
Part Time Staff 0
Volunteers 11
Contractors 1
Retention Rate 87%
Management Reports to Board? Yes
Staff Demographics - Ethnicity
African American/Black 0
Asian American/Pacific Islander 0
Caucasian 14
Hispanic/Latino 0
Native American/American Indian 0
Other 0 0
Staff Demographics - Gender
Male 5
Female 9
Unspecified 0
Formal Evaluations
CEO Formal Evaluation Yes
CEO/Executive Formal Evaluation Frequency Annually
NonManagement Formal Evaluation Yes
Non Management Formal Evaluation Frequency Annually
Description Through partnerships with local builders and its own professional crews, Frontier Housing has grown into a full-service housing provider offering homebuyer education, affordable home mortgage loans, subdivision development, and a range of home choices including site-built, modular, and manufactured housing. Frontier is currently expanding its manufactured housing program with the support of the I?M HOME (Innovations in Manufactured Homes) initiative and with the support of NeighborWorks® America, one of CFED's national partners in the manufactured housing arena. I?M HOME, managed by CFED, is a multi-year program that seeks to ensure that families who choose to purchase manufactured homes can reap benefits from homeownership comparable to those enjoyed by owners of other homes. As a local partner in I?M HOME, Frontier Housing has entered into an innovative partnership with Clayton Homes to develop a fee-simple community of approximately 45 homes. With its first manufactured housing subdivision in development, and having placed high-quality manufactured homes on multiple scattered sites, Frontier is now ramping up its capacity to serve as a Clayton broker for other nonprofit developers across Appalachia. The organization is also using I'M HOME funds to develop its capacity to make manufactured housing loans, a product it also plans to roll out throughout Appalachia in partnership with the Federation for Appalachian Housing Enterprises (FAHE).
Program Long term Success Provided affordable housing solutions to 126 households through a combination of new construction, rehabilitation, repair, acquisition, financing, homeless assistance and rental housing.
Plans & Policies
Organization has a Fundraising Plan? Under Development
Organization has a Strategic Plan? Yes
Years Strategic Plan Considers 2
Management Succession Plan? Yes
Organization Policy and Procedures No
Nondiscrimination Policy No
Whistleblower Policy Yes
Document Destruction Policy Yes
Revenue vs Expenses - All Years
Expense Breakdown - Recent Year
Fiscal Year
Fiscal Year Start Apr 01, 2014
Fiscal Year End Mar 31, 2015
Projected Revenue $2,251,849.00
Projected Expenses $2,197,102.00
Detailed Financials
Revenue and ExpensesHelpFinancial data for prior years is entered by foundation staff based on the documents submitted by nonprofit organizations.Foundation staff members enter this information to assure consistency in the presentation of financial data across all organizations.
Fiscal Year201720162015
Total Revenue$357,472$930,193$2,657,295
Total Expenses$1,547,176$1,508,835$2,013,105
Revenue Less Expenses($1,189,704)($578,642)$644,190
Revenue SourcesHelpThe financial analysis involves a comparison of the IRS Form 990 and the audit report (when available). Revenue from foundations and corporations may be included in individual contributions when not itemized separately.
Fiscal Year201720162015
Foundation and
Corporation Contributions
Government Contributions$184,059$607,228$2,254,887
Individual Contributions$29,622$9,415$29,366
Investment Income, Net of Losses$61,597$56,587$52,336
Membership Dues$0$0$0
Special Events$0$0$0
Revenue In-Kind$0$0$0
Expense Allocation
Fiscal Year201720162015
Program Expense$1,387,811$1,298,676$1,836,391
Administration Expense$121,654$119,992$117,799
Fundraising Expense$37,711$90,167$58,915
Payments to Affiliates------
Total Revenue/Total Expenses0.230.621.32
Program Expense/Total Expenses90%86%91%
Fundraising Expense/Contributed Revenue------
Assets and Liabilities
Fiscal Year201720162015
Total Assets$13,405,986$14,974,379$16,245,861
Current Assets$11,285,231$11,901,597$12,754,618
Long-Term Liabilities$2,353,721$2,727,987$3,201,546
Current Liabilities$133,554$137,977$357,258
Total Net Assets$10,918,711$12,108,415$12,687,057
Audit Documents
2013 Audit FY 12-13
Capital Campaign
Currently in a Capital Campaign? No
State Registration Yes
Address 5445 Flemingsburg Rd
Morehead, KY 40351
Primary Phone 606 7842131
CEO/Executive Director Ms. Sherry Farley
Board Chair Mr. Scott Napier
Board Chair Company Affiliation Walmart Store Manager