Mortgage Credit Certificate Program

Alameda County Housing and Community Development Department (HCD) runs the Mortgage Credit Certificate (MCC) Program throughout the County. An MCC provides the income eligible first-time home buyer with an opportunity to reduce the amount of federal income tax they owe each year they own and live in their home. The MCC assists a family in qualifying for a higher first mortgage, with no effect on monthly expenses.

HCD also issues Refinanced Mortgage Credit Certificates (RMCC) when the homeowner refinances their original MCC Loan. RMCC's must be issued for each refinance in order for the homeowner to continue receiving the federal tax credit.

If you are a first time homebuyer interested in applying for a Mortgage Credit Certificate or you are refinancing your loan which has a MCC Certificate, please contact one of the pre-approved Participating Lenders from the list below. They must submit the application on your behalf.

The following documents are provided in Portable Document Format (PDF) and require the free Adobe Reader.

Current Participating Lender List (PDF - 463kB)
MCC Brochure (PDF - 1.6mB)
How it works PowerPoint presentation (PPT - 821kB)
Is my home in a Qualified Census Tract?
(If it is, the purchase price and income limits may be higher)

Mortgage Credit Certificate Program Graphic.