The San Diego Housing Commission (SDHC) Mortgage Credit Certificate Program is a federal income tax credit. With the MCC, the qualified first time homebuyer is entitled to take a federal income tax credit of 20% of the annual interest paid on the home mortgage. Because the MCC reduces the homebuyer’s federal income taxes and increases their net earnings, it is a great help in qualifying a homebuyer for their first home mortgage loan. But it doesn’t stop there. The MCC is registered with the IRS and it continues to decrease a first time homebuyer’s federal income taxes as loan as they own and live in the home.


Connect with a Loan Officer

Loan Officer Thomas Johnston

Loan Officer Thomas Johnston | NMLS# 1583463; Arizona, California, Oregon, Texas and Washington

Thomas is your mortgage loan originator, who works side by side with a strong team that shares the same devotion to excellence.
Experienced, knowledgeable, and always up to date on the industry's latest products, Thomas strives to exceed the customers' expectations in each and every transaction.

Do you have any questions? Please call 866-610-6025


Agency Target vs Non-Target Tax Credit Household size: 1-2 Household size: 3+ Purchase Price Limits First Time Application Fee Property Type

San Diego Housing Commission (SDHC) Mortgage Credit Certificate-MCC

Target
20%
$109,080
$127,260
$564,353
Yes
$500.00 stand alone,$300.00 w/SDHC loan & grant
SFR, Townhome & Condos
Non-Target 20%
$109,080
$127,260
$689,765
No
$500.00 stand alone,$300.00 w/SDHC loan & grant
SFR, Townhome & Condos

Purchase an eligible home in the City of Imperial Beach; City of National City; City of Solana Beach; City of Los Angeles; City of Lemon Grove; City of San Marcos; City of Escondido; City of Oceanside; City of San Diego; City of Encinitas; City of El Cajon; City of Lakeside; City of Carlsbad; City of Coronado; City of Del Mar; City of La Mesa; City of Santee; City of Vista; City of Poway;


Connect with a Loan Officer

Loan Officer Thomas Johnston

Loan Officer Thomas Johnston | NMLS# 1583463; Arizona, California, Oregon, Texas and Washington

Thomas is your mortgage loan originator, who works side by side with a strong team that shares the same devotion to excellence.
Experienced, knowledgeable, and always up to date on the industry's latest products, Thomas strives to exceed the customers' expectations in each and every transaction.

Do you have any questions? Please call 866-610-6025

San Diego Housing Commission (SDHC) Mortgage Credit Certificate-MCC is available in the following areas/cities