Mortgage Credit Certificate (MCC)

Mortgage Credit Certificate (MCC)是面向Indiana购房者的抵押贷款抵税证书，由Indiana Housing & Community Development Authority (IHCDA)管理。 The IHCDA Mortgage Credit Certificate gives qualifying Indiana homebuyers a federal income-tax credit equal to 25% of the mortgage interest they pay each year, up to $2,000 annually for the life of the loan. It is a dollar-for-dollar credit against federal tax liability and can be paired with an IHCDA Next Home DPA loan. It is generally limited to first-time buyers unless purchasing in a Targeted Area or qualifying as a veteran, and income/acquisition limits apply by county. Up to $2,000/year federal tax credit. Credit lasts the life of the loan. Can be combined with Next Home DPA. Increases qualifying income. Works with FHA, VA, USDA, and conventional loans.

Mortgage Credit Certificate (MCC)提供最高$2,000的援助。 援助档次：Credit equals 25% of annual mortgage interest paid, capped at $2,000/year, for the life of the loan. 该项目可与IHCDA Next Home DPA; participating-lender first mortgages.结合使用。 金额是该项目公布的上限，并非报价——具体每人的援助金额由Indiana Housing & Community Development Authority (IHCDA)决定。

Mortgage Credit Certificate (MCC)是税收抵免而非贷款，因此无需偿还。 触发还款的情形：MCC is a federal tax credit, not a repayable loan; federal recapture tax may apply if a bond-financed home is sold within 9 years with income over limits and a gain realized. 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Mortgage Credit Certificate (MCC)面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：First-time requirement waived if purchasing in an IHCDA-designated Targeted Area or if the borrower is a Qualified Veteran. 关于信用，该项目说明：Minimum FICO set by IHCDA and/or the Master Servicer (U.S. Bank HFA). 须参加购房者教育课程，由Fannie Mae HomeView and Freddie Mac CreditSmart.提供。 居住要求：Property must be in Indiana and the borrower's primary residence. Approx. $800 MCC fee; first-time buyer (or Targeted Area / veteran exception); homebuyer education required; income and acquisition limits apply by county.

Mortgage Credit Certificate (MCC)的收入限制如下：County- and household-size-based income limits per IHCDA Income and Acquisition Limits tables (separate Targeted vs Non-Targeted limits). 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Mortgage Credit Certificate (MCC)的房价上限如下：Acquisition-cost limits apply by county and Targeted/Non-Targeted designation per IHCDA tables. 符合条件的房屋类型包括Single-family、Condominium和Eligible 1-unit primary residence。 新建房屋符合条件。

Mortgage Credit Certificate (MCC)在其服务群体中提到了退伍军人。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Mortgage Credit Certificate (MCC)服务于在Indiana任何地方购房的购房者。 该项目针对特定区域：IHCDA Targeted Areas (qualified census tracts and statutorily targeted counties) waive the first-time buyer requirement.

Mortgage Credit Certificate (MCC)的申请通过Indiana Housing & Community Development Authority (IHCDA)办理，该机构在其网站上公布现行条款和申请步骤。 资金通过IHCDA Authority Online reservation portal (via participating lenders)预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。