Homeownership is Within Reach:
Pinellas County Townhomes for Sale
Start here with our prequalification steps.
Apply Today! Townhomes for Sale in Pinellas County
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✔ $0 Down Payment
✔ 0% APR Mortgage
✔ No PMI Required
Habitat for Humanity Tampa Bay Gulfside makes owning a home affordable and achievable. Affordable homeownership is within reach—apply now or refer a friend today!
*Subject to Habitat for Humanity program acceptance and completion. Mortgage financing required through Habitat for Humanity Tampa Bay Gulfside.
Single vs Joint Applicant
When you apply for a mortgage, only the person(s) whose income and credit will be used to qualify need to complete the application. Not everyone living in the home needs to apply.
Single Applicant
- One person listed on the mortgage.
- We review your income, credit, and debts.
- Other household members (children, parents, relatives) do not need to apply unless their income or credit is included.
Joint Applicants
- Two people applying together as co-borrowers.
- Both applicants share financial responsibility and go through full credit and income review.
- Common for spouses, partners, or family members combining finances.
Bottom Line: Only those whose income and credit are used for the loan need to apply. Other household members do not go through underwriting or submit an application.
Ready to Get Started?
Click the button that best applies to continue to our Soft Credit Check & Prequalification Questionnaire. This includes a non-refundable credit screening fee. This fee does not guarantee acceptance into the program.
Interested in purchasing a home in Pasco or Hernando Counties?
I Want to Purchase a Home in West Pasco County
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Opportunities to purchase single-family homes for families and individuals who wish to live in West Pasco County are now available.
I Want to Purchase a Home in Hernando County
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Applications for those who wish to purchase a home in Hernando County will be opening soon. In the mean time, we encourage you to sign up for our Foundations First Class, which provides essential preparation and communication for future homeownership opportunities.
Habitat for Humanity Tampa Bay Gulfside is committed to Equal Housing Opportunity. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity. 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, disability, familial status, or national origin.
Need Help or an Accommodation?
If you require assistance to complete this form or need accommodations during the application process, please contact us at (727) 536-4755.