Mortgage Credit Certificates (MCC) are issued through the N.C. Housing Finance Agency (NCHFA) for first-time homebuyers. First-time homebuyers are people who have never owned a home or who haven't in the last 3 years.
Members may use the MCC with any of our mortgage products, but it would be most beneficial in conjunction with our First-Time Homebuyer's Program. The tax liability reduction makes it more affordable to purchase your first home.
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More information about the program is available at www.nchfa.com.