Product Details

$0 Down Payment VA Loan Program

Are federal income tax credits available for first-time homebuyers?

Must be a

First Time

Home Buyer

The MCC may be

Transferrable

upon refinance

Learn how to get more from your taxes.

The mortgage credit certificate (MCC) program allows qualified borrowers to get a federal income tax credit of up to 20% of the mortgage interest that they pay annually!

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Loan Features

  • Home buyers can receive a federal income tax credit of up to 20% of the mortgage interest that they pay for the Life of the loan (varies by state) 
  • The MCC may be transferable upon refinance
  • The reduction in tax liability can be used to help home buyers qualify for more home
  • Income restrictions apply
  • Must be a first time home buyer
  • Must be purchasing a primary residence
  • Subject to state and county limitations