Before beginning, gather basic personal information, proof of income (such as pay stubs or tax returns), and documentation that verifies your residency and employment history. Having these ready will make the application process smoother and quicker.

The application is available online through your Pensacola Habitat Application Portal account. If you don’t have one yet, you’ll need to create it first. Once logged in, you’ll find clear instructions to begin your application.

We’ve designed the application to be as user-friendly as possible. If you run into any issues, you can call or email our Programs Team for guidance. You can also set up an appointment to come into the office for a staff member to assist you. They’re here to help you every step of the way.

This varies from person to person, but most applicants can finish it within an hour or two if they have all their documents ready. If you need to pause and come back later, you can save your progress and return at your convenience.

There’s no fee to submit your application to Pensacola Habitat’s Homebuyer Program. We want to make sure the process is accessible to everyone exploring homeownership.

If you’re unsure whether you qualify, we recommend talking it over before applying. Give one of application processors a call at 850-434-5456. They’ll help clarify the requirements, discuss your personal situation, and guide you on the next best steps.

Once you click “submit,” our Programs Team begins reviewing your application. This can take up to four weeks due to the high volume of applications we receive. We’ll contact you once the review is complete—whether you’re approved or need additional support to become qualified.

Absolutely. If your application isn’t approved, we’ll offer guidance on what steps to take next. You can work with a HUD-certified housing counselor who will help you understand what needs improvement, and when you’re ready, you can reapply.

Not before approval. However, if you’re approved and join our Homebuyer Program, you’ll attend homeownership-readiness workshops. These help you learn about budgeting, home maintenance, and other valuable skills as you prepare for homeownership.

“Sweat equity” isn’t required at the application stage. But once approved, you’ll contribute volunteer hours—like helping to build your own home or assisting with another PHFH projects. This hands-on involvement helps you understand the process and fosters a sense of pride and investment in your future home.

Feel free to contact us by phone, email, or through the online form. We’re committed to making the application process as clear and supportive as possible, and we’re happy to answer any additional questions.