Homebuyer Program

Are you looking for an opportunity to own a home in Escambia or Santa Rosa County?

At Pensacola Habitat, we offer to qualified homebuyers a quality, energy-efficient home designed to reflect the local climate and culture. Besides the pride of ownership that comes with your home, you’ll likely find that our affordable mortgage payments and low utility bills will add to your financial stability and quality of life. Take a moment to tour our beautiful, award-winning homes and complete the elegibility criteria list to see if you’d qualify. Once you’re ready, click the button below to create an account and apply for the Homebuyer Program.

NO WAITLIST!

Create account to Apply for Homebuyer Program

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Is a Home Built by Pensacola Habitat Right for Your Family?

To be eligible for Pensacola Habitat’s Homebuyer Program, you must be able to answer “I agree” to the following statements. If you meet this criteria, we encourage you to take the first step in your homeownership journey. Click the ‘See If I Qualify Button’ below.

The eligibility requirements button/list below is not an application. Please click the ‘Create Account to Apply for Homebuyer Program’ if you’d like to apply.

Homebuyer Requirements

I am at least 18 years old. *

I agree

I am a U.S. citizen or legal permanent resident. *

I agree

I have no pending criminal cases and no disqualifying criminal history. *

I agree

I am not a registered sexual offender and do not have a sexual offender who is or will be living in my home. *

I agree

I am unmarried or married but not separated. (If married, your spouse must also apply jointly with you.) *

I agree

I have a 640+ credit score. *

I agree

I have 2 years of stable, documented income or employment history including Social Security or retirement. *

I agree

I have been employed at my current job for at least 12 months or any part-time job for at least 2 years. *

I agree

I (and co-applicant) have lived or worked in Escambia or Santa Rosa County for at least 1 year prior to applying. *

I agree

I can maintain an annual gross income within our income guidelines (see chart below) from initial intake to loan application. *

I agree

I have less than or equal to $1,000 of collections or bad debt and any unpaid collection accounts must be paid off in full with proof of payment prior to applying for a mortgage. *

I agree

I can demonstrate an ability to pay $3,500 towards closing costs. *

I agree

I have not had a bankruptcy discharged in the last 2 years; limit of 1. *

I agree

I have not had a foreclosure/ short sale finalized in the last 3 years; no multiple foreclosures or short sales. *

I agree

I do not currently own a livable home or have an existing mortgage balance. *

I agree

My total annual household income does not exceed the limit for my family size. *

I agree

Thank you!

Create Account to Apply for Homebuyer Program

Ability to Pay

You will be expected to bring proof of income and show your bill payment history. Pensacola Habitat for Humanity does evaluate credit history and debt, but your credit DOES NOT need to be perfect. In fact, we work with families to improve credit and reduce debt. You may be eligible for our HUD Housing Counseling, which offers a customized action plan to help you learn how to manage your budget, pay off debt, understand credit and save for your home purchase.

The following info will help you decide if your YEARLY income is within Pensacola Habitat guidelines. (Maximum income guidelines are up to 80% of Area Median Income and based on family size. Minimum income must be over $35,000 yearly or $2,917 monthly. Income limits may change based on annual adjustment of HUD area median income.) See below chart for maximum income levels:

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We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, national origin, age, marital status, sexual orientation, or sources of income.

In accordance with federal laws and U.S. Department of the Treasury policy, this organization is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability. To file a complaint of discrimination, write to: U.S. Department of the Treasury, Director, Office of Civil Rights and Equal Employment Opportunity 1500 Pennsylvania Avenue, N.W., Washington, DC 20220; or send an e-mail to: crcomplaints@treasury.gov.

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A COPY OF THE OFFICIAL REGISTRATION AND FINANCIAL INFORMATION MAY BE OBTAINED FROM THE DIVISION OF CONSUMER SERVICES BY CALLING TOLL-FREE (800-435-7352) WITHIN THE STATE. REGISTRATION DOES NOT IMPLY ENDORSEMENT, APPROVAL, OR RECOMMENDATION BY THE STATE. REGISTRATION #: CH37256

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Pensacola Habitat for Humanity is a 501(c)(3) nonprofit organization. Contributions are tax deductible to the fullest extent of the law. EIN: 59-2186044