Alabama Mortgage Credit Certificates

State program

Learn more

at AHFA

Best for

Tax credits

What you need to know

Mortgage Credit Certificates (MCCs), dollar-for-dollar federal income tax credits of 20% to 50% of their mortgage interest, up to $2,000, are for first-time home buyers with conventional, FHA, VA or USDA fixed-rate mortgages. The credit can be used as long as you keep the original first mortgage.