WCDA Mortgage Credit Certificate (MCC)

WCDA Mortgage Credit Certificate (MCC)是面向Statewide，Wyoming购房者的抵押贷款抵税证书，由Wyoming Community Development Authority (WCDA)管理。 The WCDA Mortgage Credit Certificate (MCC) is a first-time-homebuyer federal tax-credit program that lets a qualified borrower claim a credit against federal income tax liability based on mortgage interest paid. The credit rate runs roughly 20%-40% of annual mortgage interest depending on the borrower's income and tax situation; rates above 20% are capped at $2,000 per year, while lower rates have no cap. The MCC may be claimed over the life of the qualifying loan as long as the holder continues to qualify. Annual federal tax credit on mortgage interest (up to ~$2,000/yr at higher rates). Credit available over the life of the loan. Can couple with HFA Preferred or Advantage first mortgages. Improves debt-to-income qualification.

WCDA Mortgage Credit Certificate (MCC)提供最高$2,000的援助。 援助档次：Credit rate ranges roughly 20%-40% of annual mortgage interest depending on income/tax situation; rates above 20% are capped at $2,000/year, no cap on lower rates. 该项目可与HFA Preferred or Advantage first mortgages (and their Amortizing DPA); not combinable with Standard FTHB/Spruce Up.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Wyoming Community Development Authority (WCDA)决定。

WCDA Mortgage Credit Certificate (MCC)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。

WCDA 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：Standard FTHB exceptions (e.g., Veteran's Exception, targeted areas) may apply. 须参加购房者教育课程，由Wyoming Housing Network, Inc. (whninc.org).提供。 Usable only with HFA Preferred, Advantage, or non-MRB purchase transactions - NOT with the bond-funded Standard FTHB or Spruce Up loans. Subject to recapture tax (reimbursement available). Exact credit value depends on individual tax situation.

WCDA Mortgage Credit Certificate (MCC)的收入限制如下：Subject to WCDA purchase price and income limits, which vary by county and family size; posted at wyomingcda.com/purchase-price-income-limts. 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。

WCDA Mortgage Credit Certificate (MCC)服务于在Statewide，Wyoming购房的购房者。 该项目针对特定区域：Targeted-area census tracts in Albany and Natrona counties carry increased purchase price/income limits and possible FTHB waiver.

WCDA Mortgage Credit Certificate (MCC)的申请通过Wyoming Community Development Authority (WCDA)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。