Mortgage Credit Certificate (MCC) Program

Mortgage Credit Certificate (MCC) Program es un certificado de crédito hipotecario para compradores de vivienda en Mississippi, a cargo de Mississippi Home Corporation. MHC's Mortgage Credit Certificate (MCC) Program, authorized under Section 25 of the Internal Revenue Code, entitles qualifying first-time homebuyers to a federal income tax credit equal to a fixed percentage of the mortgage interest paid each year on their principal residence. MHC began accepting MCC applications on March 21, 2024. Annual federal income tax credit calculated as a percentage of mortgage interest paid; dollar-for-dollar reduction of federal tax liability for the life of the original mortgage while the home remains the primary residence. Los fondos provienen de Authorized in lieu of qualified mortgage (private activity) bonds under IRC Section 25.

Mortgage Credit Certificate (MCC) Program es un crédito fiscal y no un préstamo, así que no hay nada que devolver. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

Mortgage Credit Certificate (MCC) Program está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: Three-year no-prior-ownership rule is waived if the residence is located in a designated Target Area. MCC cannot be issued in conjunction with the assumption, replacement, or refinancing of an existing mortgage (may replace construction/bridge financing of 24 months or less). Certificate holder must use the residence as principal residence within 60 days. A manufactured home qualifies only if it has at least 400 sq ft of living space, minimum width over 102 inches, and a fixed location. Reserved through a participating lender prior to closing.

Mortgage Credit Certificate (MCC) Program limita el precio de compra a $332,000. Las viviendas prefabricadas son elegibles.

Mortgage Credit Certificate (MCC) Program atiende a compradores de vivienda que compran en cualquier lugar de Mississippi. El programa se dirige a áreas específicas: Target Areas are specified counties or portions of counties designated by the federal government; the first-time homebuyer requirement is waived in these areas.

Las solicitudes de Mortgage Credit Certificate (MCC) Program se tramitan a través de Mississippi Home Corporation, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.