The new Mortgage Credit Certificate Program (MCC) is a first-time home buyer program. MCC operates as a federal income tax credit which reduces the income tax liability, creating additional income for the borrower. This program reduces the borrower’s income tax liability annually for the life of the mortgage, as long as the borrower occupies the property as their primary residence.
* Some borrowers may be eligible for additional down payment assistance. Please be sure to tell your loan representative if you are interested!
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