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First-time Homebuyer Tax Credit through the Mortgage Credit Certificate (MCC) Program

To be eligible, you must:

  • Be a first-time homebuyer (or have not owned a home in three years)
  • Meet minimum credit score requirements (varies by product)
  • Qualify for a home mortgage
  • Meet income limits
  • Plan to live in the home
  • Have a federal income tax liability

Next Steps:

  • Contact a tax professional to see if this program would benefit you.
  • Find a lender near you to see if you qualify.  You must apply for the MCC Program before your mortgage closes.
  • Homebuyer education may be required for some mortgage programs. Attend Home Stretch for in-person training, or Framework for online training.

Current MCC Holders: