What We Do

What We Do

The Escambia County Housing Finance Authority (ECHFA or the Authority) serves 21 counties across Florida by offering homeownership programs to first-time homebuyers and former homeowners (Do I Qualify?).  The Authority also assists developers of multi-family housing communities through the issuance of tax-exempt revenue bonds.  In Escambia County, the Authority is actively involved in developing affordable single family homes through its Urban Infill Program.

The Authority is a public body enabled and operating under the laws of the State of Florida. The Authority was created in accordance with the Florida Housing Finance Authority Law, Part IV of Chapter 159, Florida Statutes, as amended, and by Ordinance No. 80-12, as amended, enacted by the Escambia County Board of County Commissioners on May 29, 1980. Escambia Commissioners are responsible for appointing ECHFA’s governing body that consists of a five-member Board. The ECHFA Board and Registered Agent, Lisa Bernau, may be reached at 700 South Palafox Street, Suite 310, Pensacola, Florida, (800) 388-1970 or by email at [email protected].

Mission


The mission of ECHFA is to help alleviate the shortage of affordable homes available to persons of moderate, middle and low income, which will provide them with safe, sanitary and decent housing; and to assist in making capital available for the financing of construction, purchase, reconstruction or rehabilitation of such homes for such persons at interest rates which they can afford.

Code of Ethics

A code of ethics adopted by the special district, if applicable, and a hyperlink to generally applicable ethics provisions.


State of Florida Code of Ethics for Public Officers and Employees

Sunshine Amendment

The "Sunshine Amendment," adopted by Florida voters through a constitutional initiative in 1976 as Article II, Section 8, Florida Constitution, contains standards of ethical conduct and disclosures applicable to public officers and employees.  The Authority complies with those requirements, along with the public meetings and public records requirements of Chapters 286 and 119, Florida Statutes.

Special Districts

Escambia County Housing Finance Authority

The Housing Finance Authority is a public body, corporate and political, exercising the public and essential governmental functions set forth in Florida Statutes §§159.601, et seq. It exercises its power to borrow only for the purposes provided for in the statute to encourage investment by private enterprise and stimulate the construction and rehabilitation of housing through the use of public financing and the provision of low-cost loans to purchase affordable housing.

Special District Information

  • The full legal name of the special district:
    Escambia County Housing Finance Authority
  • The public purpose of the special district:
    To help alleviate the shortage of housing available at prices or rentals which many persons and families can afford, and provide capital for investment in such housing.
  • Membership Information
  • The fiscal year of the special district:
    October 1 through September 30
  • Public Facilities Report:
    N/A

 

Charter Information

  • The full text of the special district’s charter (or special law, ordinance, or resolution creating the district)
    The Authority is a public body enabled and operating under the laws of the State of Florida. The Authority was created in accordance with the Florida Housing Finance Authority Law, Part IV of Chapter 159, Florida Statutes, as amended, and by Ordinance No. 80-12, as amended, enacted by the Escambia County Board of County Commissioners on May 29, 1980.
  • The date of establishment: 1980
  • The establishing entity: Escambia County Board of County Commissioners
  • The statute(s) under which the special district operates, if different from the statute or statutes under which the special district was established.
    § Florida Statutes 159.604

 

Contact Information

  • Contact Name: Lisa Bernau
  • Mailing address:
    700 South Palafox Street, Suite 310, Pensacola, FL  32502
  • Telephone number: (850) 432-7077
  • Website URL: https://www.escambiahfa.com/
  • Submit questions/comments via our Contact Us form.

 

Boundary and Services Information

  • A description of the boundaries or service area of the special district:
    The Escambia County Housing Finance Authority serves 21 counties across Florida.  Alachua County, Bay County, Bradford County, Escambia County, Franklin County, Gadsden County, Gulf County, Hernando County, Indian River County, Jackson County, Jefferson County, Leon County, Madison County, Marion County, Martin County, Okaloosa County, Santa Rosa County, St. Lucie County, Taylor County, Wakulla County, and Walton County.
  • Description of the services provided by the special district:
    Issue multi-family bonds to provide financing for multi-family projects within Escambia County’s service area, including Orange County and issue single family bonds to provide funds for first mortgages for first time home buyers in Escambia County’s service area and by interlocal agreements in said Counties. Provide funds for down payment and closing cost assistance as second mortgages.
  • List all taxes, fees, assessments, or charges imposed and collected by the special district, including the rates or amounts for the fiscal year and the statutory authority for the levy of the tax, fee, assessment, or charge. (For purposes of this subparagraph, charges do not include patient charges by a hospital or other health care provider.)
    Not Applicable

 

Primary Contact Information for the Special District for the Purposes of Communication from the Florida Department of Economic Opportunity

  • DEO Contact Name: Lisa Bernau
  • DEO Contact Address:
    700 South Palafox Street, Suite 310, Pensacola, FL  32502
  • DEO Contact Email: [email protected]
  • DEO Contact Phone: (850) 432-7077
  • A code of ethics adopted by the special district, if applicable, and a hyperlink to generally applicable ethics provisions.
    State of Florida Code of Ethics for Public Officers and Employees
  • The budget for the special district, in addition to amendments in accordance with s. 189.016.
    Budget
  • The final, complete audit report for the most recent completed fiscal year, and audit reports required by law or authorized by the governing body of the special district.
    Audit Report

 

The Official List of Special Districts in Florida can be found at Florida Department of Economic Opportunity website.  How to create a custom list of Special Districts.

Portfolio

Since 1980, ECHFA has assisted homebuyers in achieving their dream of homeownership and multi-family developers in reaching their real estate development goals.

Single Family / Multi-Family / Dormitory Revenue Bonds

AMOUNT SERIES / YEAR
Continuous Funding Current Program
$6,481,473 2019C
$14,000,000 2019B
$15,000,000 2019A
$25,000,000 2017 Mortgage Credit Certificate
$16,861,686 2016A
$4,335,000 2014B
$25,000,000 2010
$32,600,000 2007B
$39,355,000 2007A-1, 2007A-2
$31,000,000 2006A
$33,000,000 2004A
$71,945,000 2002A-1, 2002A-2
$96,255,000 2001A
$87,865,000 2000A&B
$93,135,000 1999
$60,675,000 1998A
$28,350,000 1997C
$68,685,000 1997A&B
$38,355,000 1996A&B
$39,000,000 1995B
$59,000,000 1995A
$40,000,000 1992A
$47,910,000 1991A
$39,965,000 1990A
$33,865,000 1989C
$45,690,000 1989A&B
$15,000,000 1987
$20,000,000 1985
$22,665,000 1984
$26,830,000 1982
AMOUNT PROJECT SERIES / YEAR
$26,000,000 The Moorings 2023
$24,600,000 Sunrise Apartments 2023
$16,440,000 College Trace Apartments 2022
$47,927,000 Kinneret Apartments (Series A) 2022
$5,373,000 Kinneret Apartments (Series B) 2022
$14,050,000 Flint Gardens Apartments 2022
$8,700,000 Orange Blossom Village Apartments 2021
$6,500,000 Springhill Apartments 2019
$11,320,000 Taylor Pointe Apartments 2019
$7,950,000 Delphin Down Apartments 2018
$6,600,000 Perrytown Apartments 2018
$14,393,280 University of West Florida 2015
$16,525,000 University of West Florida 2011
$11,717,000 University of West Florida 2010
$15,000,000 University of West Florida 2009
$9,000,000 Johnson Lakes Apartments 2006
$18,290,000 University of West Florida 2005
$13,455,000 University of West Florida 1999
$15,400,000 University of West Florida 1998
$4,650,000 University of West Florida 1997
$4,650,000 The Meadowrun Project 1993
$500,000 Genesis Health Care, Inc. Project 1988 B
$8,000,000 Genesis Health Care, Inc. Project 1988
$4,060,000 The Enclave Project 1985 B
6,070,000 The Waterford Project 1985 A
$6,000,000 Alpine Village Project 1985
$3,050,000 Hunters Pointe Project 1985
$2,300,000 Sandalwood Apartment Project 1985
$2,855,000 Colony House Project 1984
$3,000,000 Maison Deville Project 1984