Mortgage Credit Certificate (MCC)

Effective 12/22/2017

We are not offering the MCC Program at this time.
The following is applicable if you currently hold an MCC:


A recapture tax may apply only in the event that –  you sell your home in the first nine years, and - your income has increased significantly, and - you have a substantial gain on the sale.  IRS Form 8828 explains how the tax is calculated.

Federal Recapture Tax FAQ


If you refinance your property, the MCC may be reissued if completed within one year of refinance and if you qualify under the program guidelines.  The amount on the reissued MCC cannot exceed the outstanding balance of the mortgage prior to refinancing and the certificate credit rate cannot exceed the certificate credit rate specified in the existing certificate. Further restriction apply.

A $375.00 non-refundable application fee must be included in a reissuance request. 


If you need a digital copy of your original MCC, please complete and submit this online form: Request Copy of MCC
There is no charge for this service.

If you need a duplicate certified hard copy of your original MCC, please email
There is a $35.00 fee for this service.


If you have questions about the Mortgage Credit Certificate Program, please call us at 800.767.4663 or email


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