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  • Writer's pictureShaila Campbell

First Time Homebuyer Program: MCC

Updated: May 6, 2019

Mortgage Credit Certificate

The Mortgage Credit Certificate Program was authorized by Congress in the 1984 Tax Reform Act as a means of providing housing assistance to families of low and moderate income. The Hawaii Housing Finance and Development Corporation (HHFDC) is an Issuer of Mortgage Credit Certificates.

The Mortgage Credit Certificate (MCC) reduces the amount of federal income tax you pay, thus giving you more available income to qualify for a mortgage loan and assist you with house payments.

Where can I get a MCC? You are free to seek financing from any lender. However, MCCs are available only through the participating lenders listed below.

Participating Lenders:

American Financing Corporation American Pacific Mortgage American Savings Bank Bank of Hawaii Capital Mortgage Services of Texas Castle & Cooke Mortgage, LLC Central Pacific Bank CMG Mortgage, Inc. Compass Home Loans, LLCDHI Mortgage Ltd. Fairway Independent Mortgage Corporation First Hawaiian Bank Guild Mortgage Company Hawaii State Federal Credit Union Hawaii USA Federal Credit Union HHOC Mortgage Home Street Bank Honolulu Home Loans, Inc. House of Finance, Inc. International City Mortgage, Inc. Mann Mortgage, LLC Mason-McDuffie Mortgage Corporation Nations Lending Plaza Home Mortgage, Inc. Primary Residential Mortgage, Inc. Prime Lending Territorial Savings Bank



Questions? For more info, call Shaila at 808-741-7155 or email Hawaii Homes & Estates LLC. License No: RB-20456.


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