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MCC (Mortgage Credit Certificate)

  • Is a federal tax credit for 15% or 20% of all mortgage interest

  • Typically provides $200 to $500 in additional take-home pay per month

  • Available in most areas of San Diego County, but not in La Mesa, Del Mar, Solana Beach, and National City.

  • The separate MCC programs are administered by AHA Housing (The Unincorporated Areas of the County and Incorporated Cities of San Diego County - that is - everything except the City of San Diego and Oceanside), the San Diego Housing Commission (for everything within the City of San Diego - everything with zip code starting with 921** - expect Coronado)

  • Income limits: ($82,000 for up to 2-person households) ($95,220 for 3 or more person households)

  • Purchase limits in most areas in San Diego County ($503,700 Resale)  ($490,000 New Construction) ($567,166 Duplex 5 or more years old)

  • Can be used with VA, FHA, and conventional loans from MCC-partner lenders

  • Cannot be used with CalHFA, Stated Income, Adjustable Rate Mortgages with less then 5-year fixed period with interest-only payments or 3-year fixed period with principal and interest payments.

  • Applied for while in escrow by the loan officer

  • TARGETED AREAS - If the property being purchased with MCC assistance is within a federally-designated target area, the buyer does not have to be a first-time homebuyer and the purchase price limits are higher. In San Diego County, the maximum purchase price in targeted areas for resale homes is $670,580 and for new construction is $617,289. A Map Of Targeted Census Tracts is shown here (it is a large file and may take a few seconds to download). On the map, the targeted census tracts are outlined in red. A List Of The Targeted Census Tract Numbers is shown here. To obtain the census tract number of any address, Click Here And Type In The Address.

I am approved as a qualified loan officer to provide the MCC.




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Brought To You By
Mark Harmon, Realtor

CalHFA Preferred Loan Officer
USA Realty and Loans

Brokerage Main Office
3994 Carson St.
San Diego, CA 92117