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Name: Fillable Online South Carolina State Housing Finance and Development Authority Mortgage Credit Certificate Program Manual Fax Email Print - pdfFiller
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This manual outlines the Mortgage Credit Certificate (MCC) Program provided by the South Carolina State Housing Finance and Development Authority. It includes eligibility guidelines, lender responsibilities, processing steps, compliance requirements, and information regarding recapture of federal income tax benefits for applicants.

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What is mortgage credit certificate program?

The Mortgage Credit Certificate (MCC) program is a program that allows first-time homebuyers or qualified buyers to receive a federal tax credit for a portion of the mortgage interest they pay, thereby reducing their tax liability.

Who is required to file mortgage credit certificate program?

Eligible homebuyers who wish to take advantage of the tax benefits provided by the MCC program are required to file for it through their state or local housing agency.

How to fill out mortgage credit certificate program?

To fill out the mortgage credit certificate program, applicants must complete an application form provided by the administering agency, include required documentation such as income verification and property details, and ensure they meet the eligibility criteria.

What is the purpose of mortgage credit certificate program?

The purpose of the MCC program is to promote homeownership by providing a financial incentive through tax savings, making it more affordable for low- and moderate-income families to purchase homes.

What information must be reported on mortgage credit certificate program?

Information that must be reported includes the borrower’s name, the mortgage amount, the interest rate, the home purchase price, and details of the dwelling, along with the applicant’s income and tax status.

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