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Mortgage Credit Certificate program

Get help with your home mortgage

Most programs help you get into a home....

Our MCC program helps ensure you can afford to STAY in your home!

Community Investment Corporation’s Mortgage Credit Certificate (MCC) program allows first time home buyers to claim up to $2,000 of their annual mortgage interest as a federal tax credit – each year and every year they live in their homes. MCC’s can save homeowners $50,000+ over the life of their mortgage.

Are you an existing certificate holder?

video de información [español]

Program details

  • First-time homebuyers only
    • First-time homebuyer = No home ownership within the past three years
    • Exceptions: Qualified military veterans DO NOT have to be first-time homebuyers OR Applicants who purchase in targeted areas* DO NOT have to be first-time homebuyers
  • Must apply and gain approval for an MCC PRIOR to home closing
  • All home types – Single-family, manufactured housing, condos, duplexes, and town houses
  • Valid for properties ANYWHERE within the state of Arizona, with the exception of Maricopa County.
  • Applicant must occupy the property being purchased as a primary residence

* Target areas are economically distressed areas of the community where home ownership is highly encouraged in order to improve neighborhood conditions (as identified by specific census tracts). MCC program are determined by the US Census Bureau. For a list of target areas, including maps, please CLICK HERE.

Household Income Limits

Income limits are based on 115% of area median gross income, and vary by county – please refer to the proper county below.
Coconino County
Family Size Non-Target Area Target Area*
1 to 2 persons  $76,800  $92,160
3 or more persons $88,320  $107,520

Pinal County

Family Size Non-Target Area Target Area*
1 to 2 persons  $79,000  $94,800
3 or more persons $90,850  $110,600

ALL OTHER Arizona Counties (except Maricopa)

Family Size Non-Target Area Target Area*
1 to 2 persons  $73,200  $87,840
3 or more persons $84,180  $102,480
Purchase Price Limits Purchase price limits are based on 90% of the average area purchase price, and vary by county – please refer to the proper county below.

Coconino County

Property Type Non-Target Area Target Area*
New or Existing $341,296 $417,139

Pinal County

Property Type Non-Target Area Target Area*
New or Existing $322,167 $393,760

ALL OTHER Arizona Counties (except Maricopa)

Property Type Non-Target Area Target Area*
New or Existing $311,979 $381,308

One-Time Program Fee: $500

  • Payment plans offered up to 6 months

Annual Administrative Fee: $100

  • Due the year following home purchase; pro-rated for first year based on purchase date
  1. Download application for Coconino, Pinal, or all other AZ counties.
  2. You may either fill the application out with us, or on your own:
    • To fill out your application with us over the phone, please click here to schedule an appointment. Make sure to include your phone number, and we will call you at your scheduled time.
    • To fill out the application on your own, use this video guide as a reference.
  3. Upload the following require documents here: MCC File Upload
    • Your completed application.
    • Copies of your 3 most recent tax returns (federal form 1040 for 2018, 2019, and 2020).
    • A photo of your driver’s license.

Frequently asked questions

You must have a tax liability to take the credit.  If you do not have a tax liability now, you may have one in the future.  In addition, if you owe no taxes, or the credit is greater than your tax liability, you may carry the tax credit forward for up to three years.

Files for borrowers who have received MCCs must be maintained and serviced for the life of the loan.  This includes reporting required by the IRS and the IDA to cancel non-compliant MCCs and reissue new MCCs upon refinancing.  Annual fees pay for the overhead and ongoing administration of these files.

If you have financial hardships which make it difficult to pay your fee, please call our office at 520-462-4MCC (4622) to make special arrangements.  If you do not receive a tax credit in a particular year because you had no tax liability, contact CIC to have your annual fee waived (must provide copy of tax return).

No, you must be a primary resident.  If you sell your home, rent your home, or if it becomes your secondary residence, you must notify us and we will cancel your certificate.

You may remain enrolled in the MCC program if you refinance on your home, but we must issue you a new certificate each time you refinance.

To get a new certificate issued after a refinance, there are two documents that will need to be completed.  One you will fill out, and the second your lender will need to fill out.  You are responsible for getting your lender to complete his/her portion and return it to us.  Both of these documents are linked below!

In addition to these two forms, we will need a copy of your promissory note and either your closing disclosure or settlement statement.  Please also send us your original MCC certificate, if you have it.

Mail all of the above documents to:

Community Investment Corporation
Attn: MCC Program
2033 E. Grant Rd.
Tucson, AZ 85719

Or, you may upload these documents here.

For more information

We’re here to help you with step-by-step guidance through the application process – we will help you to determine if you meet the qualifications for the program, and if you do, we will help you apply.

Email Patty Gonzalez at or call 520-462-4MCC (4622)