Home Is Possible Mortgage Credit Certificate (MCC)

Home Is Possible Mortgage Credit Certificate (MCC) هو شهادة ائتمان الرهن العقاري لمشتري المنازل في Nevada، وتديره Nevada Housing Division (NHD), State of Nevada Department of Business & Industry. The Home Is Possible Mortgage Credit Certificate (MCC) is a statewide federal income-tax credit program from the Nevada Housing Division for first-time homebuyers, qualified veterans, and buyers in targeted areas. It converts a portion of annual mortgage interest into a dollar-for-dollar federal tax credit (20% on loans of $225,000+, 30% on loans under $225,000), capped at $2,000 per year for the life of the loan. The MCC is obtained through a participating lender at the same time as the mortgage and can be combined with Conventional, FHA, VA, or USDA financing. Up to $2,000/year federal tax credit. Credit lasts the life of the loan while owner-occupied. Can lower effective interest rate and improve DTI qualifying. Layerable with most loan types and NHD DPA. Veterans may waive the MCC program fee. يأتي التمويل من Federal mortgage credit certificate authority (private activity bond volume cap) administered by NHD.

يقدم Home Is Possible Mortgage Credit Certificate (MCC) مساعدة تصل إلى $2,000. فئات المنحة: Category 1 Mortgage Loan (Acquisition Cost $225,000+) = 20% credit rate; Category 2 (under $225,000) = 30% credit rate. All capped at $2,000/year. يمكن الجمع بين البرنامج وCan be layered with NHD Home Is Possible / Home First first-mortgage and DPA programs and with most Conventional/FHA/VA/USDA loans; cannot be used with bond (MRB) first mortgages. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ Nevada Housing Division (NHD), State of Nevada Department of Business & Industry هي التي تحدد أي مبلغ يُمنح لكل شخص.

Home Is Possible Mortgage Credit Certificate (MCC) إعفاء ضريبي وليس قرضًا، لذا لا يوجد ما يُسدَّد. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Home Is Possible Mortgage Credit Certificate (MCC) مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: First-time buyer requirement (no ownership of a primary residence in prior 3 years) is waived for qualified Veterans and for purchasers buying in a federally designated Targeted Area. بشأن الائتمان، ينص البرنامج على: No separate MCC credit score requirement; borrower must meet the participating lender's underwriting requirements for the chosen loan product. يلزم إكمال دورة لمشتري المنازل، عبر HUD-approved homebuyer education provider (certificate required with MCC application). شرط الإقامة: Property must be in Nevada and occupied as the borrower's primary residence. Confirmed CURRENTLY ACTIVE on the official State of Nevada site (business.nv.gov, updated 03/24/2026) and homeispossiblenv.org. Nevada Rural Housing's separate MCC paused new issuance effective Jan 1, 2026 — this NHD statewide MCC is distinct and remains active.

يحدد Home Is Possible Mortgage Credit Certificate (MCC) حد الدخل على النحو التالي: County-specific maximum household income limits apply (higher for 3+ person households and for Targeted Areas). Current dollar limits must be confirmed with NHD before use (only a 2016-effective table was locatable). ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع Home Is Possible Mortgage Credit Certificate (MCC) حدًا لسعر الشراء على النحو التالي: County-specific maximum acquisition cost (purchase price) limits apply, with higher limits in Targeted Areas. Current limits left blank pending confirmation with NHD. تشمل أنواع العقارات المؤهلة Single Family، Condo وTownhouse.

يذكر Home Is Possible Mortgage Credit Certificate (MCC) المحاربين القدامى والأزواج والزوجات الباقين على قيد الحياة ضمن الفئات التي يخدمها. ذِكر فئة هنا يعني أن البرنامج يذكرها، لا أن الانتماء إليها وحده يجعل المتقدم مستوفيًا للشروط؛ إذ تظل بقية قواعد الأهلية سارية.

يخدم Home Is Possible Mortgage Credit Certificate (MCC) مشتري المنازل الذين يشترون في أي مكان في Nevada. يستهدف البرنامج مناطق محددة: Federally designated Targeted Areas (qualified census tracts) in Clark and Washoe counties (and others). In Targeted Areas the first-time-buyer requirement is waived and higher income/purchase-price limits apply. الأحياء المستهدفة: Specific census tracts in Clark and Washoe counties.

تُقدَّم طلبات Home Is Possible Mortgage Credit Certificate (MCC) عبر Nevada Housing Division (NHD), State of Nevada Department of Business & Industry، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Applied for through a participating lender concurrently with the mortgage loan application; lender reserves MCC through NHD. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.