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Mortgage Credit Certificate (MCC) • Take advantage of this government tax credit!

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.


  • Mortgage Credit Certificates can be used with fixed-rate FHA, VA, USDA-RD and Conventional loans
  • Certificate recipients must be first-time homebuyers who plan to occupy the property as their primary residence. Homeownership within the past three years disqualifies the applicant, unless the property is located in certain targeted census tracts.
  • Specific areas include a specific income verification, and must provide documentation

* 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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