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MCC Fact Sheet - State Treasurer's Office - CA

MCC Fact Sheet - State Treasurer's Office - CA 2025

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The document outlines the availability of Mortgage Credit Certificates (MCC) through the California Debt Limit Allocation Committee for low- and moderate-income homeowners seeking financing for home improvements or rehabilitation. It explains the eligibility criteria, types of loans available, and how MCCs provide federal income tax credits that reduce borrowers' tax liabilities, thereby increasing their ability to qualify for loans and manage monthly payments.

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Click ‘Get Form’ to open the MCC Fact Sheet in the editor.
Begin by reviewing the introductory section, which outlines the purpose of Mortgage Credit Certificates (MCC) and their benefits. This will help you understand the context of the form.
Fill in your personal information in the designated fields, ensuring accuracy for eligibility verification. Include details such as your name, address, and income level.
In the eligibility section, indicate whether your household income is at or below 115% of the Area Median Income. If applicable, check if you qualify under federally designated target areas.
Review the loan type you are applying for—either a Qualified Home Improvement Loan or a Qualified Rehabilitation Loan—and provide relevant details as required.
Once all sections are completed, utilize our platform’s signing feature to electronically sign your application before submission.

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