PHFA Mortgage Credit Certificate (MCC) Program

PHFA Mortgage Credit Certificate (MCC) Program es un certificado de crédito hipotecario para compradores de vivienda en Statewide, Pennsylvania, a cargo de Pennsylvania Housing Finance Agency. The PHFA Mortgage Credit Certificate (MCC) Program provides eligible low- and moderate-income homebuyers a federal income tax credit on a portion of the mortgage interest they pay each year, claimed via IRS Form 8396. It is a statewide program offered in conjunction with PHFA's HFA Preferred Risk Sharing, HFA Preferred, and Keystone Government loans, and borrowers must meet Keystone Home Loan income and purchase price limits. An MCC reduces federal tax liability annually for the life of the loan. Annual federal income tax credit on mortgage interest. Reduces federal tax liability for the life of the loan. Statewide (target and non-target areas). Pairs with PHFA first mortgages.

PHFA 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.

PHFA 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: Per Keystone Home Loan rules, the first-time homebuyer requirement is waived for veterans and buyers purchasing in targeted areas. Se requiere un curso de educación para compradores de vivienda, a través de PHFA-approved counseling agencies; per the underlying first mortgage program requirements. Subject to applicable federal tax law including income/purchase price limits and potential federal recapture tax. Claimed annually on IRS Form 8396.

PHFA Mortgage Credit Certificate (MCC) Program fija su límite de ingresos así: Borrowers must meet the Keystone Home Loan program income and purchase price limits, published as county-by-county tables in Appendix A. Available statewide in target and non-target areas. 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.

PHFA Mortgage Credit Certificate (MCC) Program atiende a compradores de vivienda que compran en Statewide, Pennsylvania. El programa se dirige a áreas específicas: Available statewide in both target and non-target areas; targeted areas identified in Appendix A.

Las solicitudes de PHFA Mortgage Credit Certificate (MCC) Program se tramitan a través de Pennsylvania Housing Finance Agency, 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.