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.

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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.

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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. Learn more.

Download the Mortgage Credit Certificate (MCC) below, including the MCC Preferred Lenders list and the MCC Overview Brochure.

The above information and resource guides should not be constituted as legal advise. Readers are advised to perform their own research for the most up to date information and guidelines.  

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