Mortgage Credit Certificate

The Mortgage Credit Certificate Program was authorized by Congress in the 1984 Tax Reform Act as a means of providing housing assistance to families of low and moderate income.  The Hawaii Housing Finance and Development Corporation (HHFDC) is an Issuer of Mortgage Credit Certificates.

The Mortgage Credit Certificate (MCC) reduces the amount of federal income tax you pay, thus giving you more available income to qualify for a mortgage loan and assist you with house payments.

MCC Program Brochure 06.01.2019L

Where can I get a MCC?
You are free to seek financing from any lender. However, MCCs are available only through the participating lenders listed below.

Participating Lenders:

• American Pacific Mortgage

• American Savings Bank

• Bank of Hawaii

• Caliber Home Loans, Inc.

• Castle & Cooke Mortgage, LLC

• Central Pacific Bank

• CMG Mortgage, Inc.

• Compass Home Loans, LLC

• DHI Mortgage

• Fairway Independent Mortgage Corporation

• First Hawaiian Bank

• Freedom Mortgage Corporation

• Hawaii State Federal Credit Union

• HHOC Mortgage

• HomeStreet Bank

• House of Finance, Inc.

• LoanDepot.com, LLC

• Movement Mortgage, LLC

• Plaza Home Mortgage, Inc.

• Primary Residential Mortgage, Inc.

• PrimeLending, A Plains Capital Company

• Security National Mortgage Company

• Siwell, Inc.

• Territorial Savings Bank