Montana Board of Housing Mortgage Credit Certificate (MCC) Program

Montana Board of Housing Mortgage Credit Certificate (MCC) Program是面向Statewide，Montana购房者的抵押贷款抵税证书，由Montana Board of Housing (Montana Department of Commerce)管理。 A Mortgage Credit Certificate (MCC) is a dollar-for-dollar federal income tax credit equal to 20% of annual mortgage interest paid, capped at $2,000 per year, available to first-time homebuyers every year they occupy the home as a primary residence. Borrowers apply through a participating lender after signing the purchase contract but before closing. Unused credit can carry forward up to three tax years. Up to $2,000/year dollar-for-dollar federal tax credit. Can be claimed every year of primary occupancy. Can adjust W-4 to increase monthly take-home pay. Stackable on most non-MBOH loans statewide. Unused credit carries forward up to 3 years. 资金来自Federal mortgage credit certificate allocation administered by Montana Board of Housing。

Montana Board of Housing Mortgage Credit Certificate (MCC) Program提供最高$2,000的援助。 援助档次：20% of annual mortgage interest credited dollar-for-dollar against federal income tax (max $2,000/yr); remaining 80% of interest still deductible for itemizers. 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Montana Board of Housing (Montana Department of Commerce)决定。

Montana Board of Housing Mortgage Credit Certificate (MCC) Program是税收抵免而非贷款，因此无需偿还。 触发还款的情形：N/A - tax credit, not a loan; available every year the home is the primary residence. 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。

Montana Board of Housing 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。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 居住要求：Statewide; can be attached to any loan except a loan financed through another Montana Board of Housing program. Cannot be combined with a loan financed through another Montana Board of Housing program. $750 application fee. Borrower must file IRS Form 8396 annually.

Montana Board of Housing Mortgage Credit Certificate (MCC) Program服务于在Statewide，Montana购房的购房者。

Montana Board of Housing Mortgage Credit Certificate (MCC) Program的申请通过Montana Board of Housing (Montana Department of Commerce)办理，该机构在其网站上公布现行条款和申请步骤。 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。