Mortgage Credit Certificate Programs
A Mortgage Credit Certificate (MCC) is not a mortgage loan and not down payment assistance...it's better.  An MCC allows a borrower to convert a portion of their mortgage interest deduction to a tax credit (up to $2,000 every year). This is a dollar-for-dollar reduction in a borrower's tax liability!    

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Ready to start saving your borrower money every tax year? 
​There are just a few qualifications... 

​​The MCC program is available to the following lenders:

1. Licensed to originate residential mortgage loans in the State of Florida;
2. Able to originate, process, underwrite, close and table fund the first mortgage loan;
3. Not under supervisory control of, or subject to, enforcement proceedings by federal banking regulators with respect to any violations or alleged violations of federal banking laws or regulations.
4. Following approval of the lender participation documents, a lender must attend a mandatory lender training. 

Click on any of the links below to view, sign and return lender participation documents.  

Broward County
Mortgage Credit Certificate program.
 
Charlotte County
Mortgage Credit Certificate program
 
Collier County
Mortgage Credit Certificate program
 
DeSoto County
Mortgage Credit Certificate program
 
Duval County
Mortgage Credit Certificate program.
 
Hillsborough County
Mortgage Credit Certificate program.

Lee County
Mortgage Credit Certificate program
 
Manatee County
Mortgage Credit Certificate program
 
Miami-Dade County
Mortgage Credit Certificate program.

Sarasota County
Mortgage Credit Certificate program

St. Johns County
Mortgage Credit Certificate program
 
All other counties not listed above
Florida Housing Finance Corporation
Mortgage Credit Certificate Program