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a mortgage credit certificate is a special program for first-time buyers that will allow you to save as much as two thousand dollars a year on your federal income tax for as long as you live in the house and it going to help you qualify for the mortgage by helping give you that that credit back as income this is an incredible program uh mortgage credit certificates are um are not uh theyre going to be a lot more popular now than they have been in the past and uh and its really its a first time home buyer product uh a lot of loan officers dont know about these programs because theyre they cant make money off of them so they dont talk to you about them uh I have over 20 years experience in the mortgage industry have done a lot of these programs uh because I like working with first-time home buyers and I like working through the Housing Finance agencies so in this episode today Im going to unpack what a mortgage credit certificate is and why its important to you how it works whe