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Section 3




Homeownership Mortgage Credit Certificate (MCC)




Homeownership & Home Repair

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MCC's provide income eligible first-time home buyers* an opportunity to reduce the amount of federal income tax owed each year they own and live in their homes. The MCC program gives qualified borrowers a non-refundable federal tax credit of 25 percent of the total amount of mortgage interest they pay each year.  This tax credit allows prospective buyers to obtain mortgage financing in a competitive market.


To apply, please contact a certified lender or start the process now online.

Current Program Offering


bulletMCC Stand Alone
Provides a federal tax credit to first-time homebuyers* for the mortgage interest they pay on their loan each year. The mortgage will come from a certified lender at prevailing market rates.
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* First-time homebuyers are defined as those persons who have not owned a home or had an ownership interest in a primary residence for the past three years.




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