Home Is Possible Mortgage Credit Certificate (MCC)

Home Is Possible Mortgage Credit Certificate (MCC) es un certificado de crédito hipotecario para compradores de vivienda en Nevada, a cargo de 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. Los fondos provienen de Federal mortgage credit certificate authority (private activity bond volume cap) administered by NHD.

Home Is Possible Mortgage Credit Certificate (MCC) ofrece hasta $2,000 de ayuda. Niveles de ayuda: 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. El programa se puede combinar con Can 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. Los montos son los máximos publicados por el programa, no una oferta: Nevada Housing Division (NHD), State of Nevada Department of Business & Industry determina cualquier ayuda individual.

Home Is Possible Mortgage Credit Certificate (MCC) 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.

Home Is Possible Mortgage Credit Certificate (MCC) 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: 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. Sobre el crédito, el programa indica: No separate MCC credit score requirement; borrower must meet the participating lender's underwriting requirements for the chosen loan product. Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved homebuyer education provider (certificate required with MCC application). Requisito de residencia: 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.

Home Is Possible Mortgage Credit Certificate (MCC) fija su límite de ingresos así: 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). El límite se aplica al ingreso total del hogar, no solo al del prestatario. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

Home Is Possible Mortgage Credit Certificate (MCC) limita el precio de compra así: County-specific maximum acquisition cost (purchase price) limits apply, with higher limits in Targeted Areas. Current limits left blank pending confirmation with NHD. Los tipos de propiedad elegibles incluyen Single Family, Condo y Townhouse.

Home Is Possible Mortgage Credit Certificate (MCC) menciona a veteranos y cónyuges sobrevivientes entre los grupos a los que atiende. Aparecer aquí significa que el programa menciona al grupo, no que pertenecer a él baste por sí solo para que un solicitante califique; las demás reglas de elegibilidad siguen aplicándose.

Home Is Possible Mortgage Credit Certificate (MCC) atiende a compradores de vivienda que compran en cualquier lugar de Nevada. El programa se dirige a áreas específicas: 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. Vecindarios prioritarios: Specific census tracts in Clark and Washoe counties.

Las solicitudes de Home Is Possible Mortgage Credit Certificate (MCC) se tramitan a través de Nevada Housing Division (NHD), State of Nevada Department of Business & Industry, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Applied for through a participating lender concurrently with the mortgage loan application; lender reserves MCC through NHD. 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.