Housing and Community Development

Housing Services

Housing Services assists enrolled members in obtaining mortgage loans, both on- and off-Boundary, to purchase or construct a home; down payment assistance; and rate buy-down funds. Additionally, we offer renovation loans for eligible homeowners.

Realty Clerk – Provides Ownership Statements and assists with leases and assignments for HCD and Qualla Housing Authority; conveyances; and legal research.

Rentals – Provides rental housing for enrolled members and non-enrolled members based on a priority system. Over 100 rentals exist throughout the Boundary in Jackson, Swain, Graham, and Cherokee Counties.

Vision and Mission
To provide housing opportunities to eligible enrolled members, and to educate the general public about the importance of credit, introduce processes for becoming a homeowner, and deliver exemplary customer service to clientele.

Michelle Stamper, Housing Services Manager: 359-6904
Michelle Ruffman, Realty Clerk: 359-6913
Tamara Jackson: 359-6916
Tina Larch: 359-6912
Misty Millsaps: 359-6919

Housing Production

The purpose of the Housing Production Office is to facilitate the construction and design of multifamily housing developments. The various services range from duplex units to apartment complexes; the office also provides layouts for developments on Tribally owned property for sale to individual Tribal members.

Office: 828-359-6903
Cell: 828-788-4824
Email: thomsaun@nc-cherokee.com


HELP (Handicapped and Elderly Living Program) provides various housing services for the Elders and disabled enrolled members of EBCI. Applicants must be 59 ½ years of age or, if younger, must have a permanent physical or mental disability. Our crews are available 24/7 for emergency service calls such as water, heat, and electrical issues. Home repairs may be applied for once every 3 years and include larger projects such as roofs, windows, cabinets, etc. Universal design elements are also available and include HC ramps, HC showers, HC toilets, grab bars, etc. Mowing and plowing are available during the spring and summer months to all clients who don’t have a person living with them who is physically capable of mowing. The program also provides emergency and heating assistance for disabled clients.

HELP primary contacts:
Jeremy Hyatt: 359-6925
Zack Hicks: 359-6909
On weekends, holidays or after hours:
Dispatch: 497- 4131


Our mission is to provide housing infrastructure to our people.
Our vision is for high-quality site work.

Infrastructure services are provided to approved EBCI-enrolled members living on trust land.

  • Road and home site excavation – Tribal Construction or other Tribal program
  • Erosion and drainage control – Tribal Construction or other Tribal program
  • Masonry foundations or block underpinning – Cherokee Boys Club or TERO-certified contractor
  • Gutters and gutter drains – Cherokee Boys Club or other Tribal program
  • Final grading & seeding – Tribal Construction or other Tribal program

For site inspection and Infrastructure applications, please contact Sarah Crowe at 359-6121.
For site prep scheduling, please contact our coordinators: Joel Queen at 359-6844, or Jimmy Sneed at 359-6839.
For general information, contact program manager Denny Ensley at 359-6841.