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Linda Gardner
Housing Director
Housing & Community Development Department
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Mortgage Credit Certificate Program


drawing of a house

Alameda County Housing and Community Development Department (HCD) administers the Mortgage Credit Certificate (MCC) Program throughout the County. MCC's provide the income eligible first-time home buyer with an opportunity to reduce the amount of federal income tax owed each year they own and live in their homes. The MCC assists a family in qualifying for a larger first mortgage.

The MCC Program works through pre-approved participating lenders. If you would like more information about how to access the program, please contact one of the loan officers on the Participating Lenders List.

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



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