Louisiana Housing Corporation Mortgage Credit Certificate (MCC) Program

Louisiana Housing Corporation Mortgage Credit Certificate (MCC) Program是面向Louisiana购房者的抵押贷款抵税证书，由Louisiana Housing Corporation管理。 The LHC Mortgage Credit Certificate (MCC) Program is a $5 million statewide program for first-time homebuyers, veterans, and low-to-moderate income buyers purchasing in designated areas. The MCC provides a federal income tax credit equal to up to 40% of annual mortgage interest paid, capped at $2,000 per year, for the life of the loan as long as the home remains the borrower's primary residence. It increases disposable income and can be layered with LHC down payment assistance. Federal tax credit of up to 40% of annual mortgage interest (max $2,000/yr). Credit available for the life of the loan while owner-occupied. Increases borrower's eligible loan amount. Can be combined with LHC down payment assistance. Available statewide. Master Servicer approval not required. 资金来自Mortgage Credit Certificate authority (in lieu of mortgage revenue bond authority)。

Louisiana Housing Corporation Mortgage Credit Certificate (MCC) Program提供最高$2,000的援助。 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Louisiana Housing Corporation决定。

Louisiana Housing Corporation Mortgage Credit Certificate (MCC) Program是税收抵免而非贷款，因此无需偿还。 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。

Louisiana Housing Corporation Mortgage Credit Certificate (MCC) Program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：Targeted-area purchases are exempt from the first-time homebuyer requirement under standard MCC/federal rules. 关于信用，该项目说明：Set by the underlying first mortgage loan product; MCC itself does not specify a minimum score. Must file IRS Form 8396 annually. Cannot be combined with MRB first mortgages.

Louisiana Housing Corporation Mortgage Credit Certificate (MCC) Program的收入限制如下：Household income limits depend on household size and property location; see LHC Exhibit U (Maximum Permissible Family Income Limits). Specific dollar limits not stated on the program page; confirm against current Exhibit U. 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。

Louisiana Housing Corporation Mortgage Credit Certificate (MCC) Program的房价上限如下：Maximum permissible acquisition cost set by LHC Exhibit T; varies by area and targeted/non-targeted status. 符合条件的房屋类型包括Single Family。 新建房屋符合条件。

Louisiana Housing Corporation Mortgage Credit Certificate (MCC) Program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。

Louisiana Housing Corporation Mortgage Credit Certificate (MCC) Program服务于在Louisiana任何地方购房的购房者。 该项目针对特定区域：MCC follows federal targeted-area provisions; targeted-area purchases receive relaxed first-time-buyer and income/purchase-price treatment.

Louisiana Housing Corporation Mortgage Credit Certificate (MCC) Program的申请通过Louisiana Housing Corporation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Lender reserves the MCC for the borrower with LHC; lender completes processes from application through closing.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。