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VITEK Mortgage Group
Corporate Office
3 Parkcenter Drive
2nd Floor
Sacramento, Ca 95825
Toll Free: (800) 570-5300

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Customer Login - Coming soon!

You will be able to log in for up-to-the-minute updates on your loan in process and easily submit needed documentation to us to help ensure a faster transaction for you. This new state-of- the-art communication system will also support our efforts toward complete paperless transactions and helps us further our Think Green initiatives!

Mortgage Credit Certificate (MCC)

Mortgage Credit Certificate (MCC)

The MCC reduces the amount of Federal income tax a homebuyer pays, thus giving more available income to qualify for a mortgage loan and to make monthly mortgage payments.

The Sacramento Mortgage Credit Certificate (MCC) Program offered through the Sacramento Housing and Redevelopment Agency (SHRA) is designed to provide homeownership assistance on home purchases within the cities of Sacramento, Elk Grove, Folsom, Isleton, Galt, Citrus Heights, Rancho Cordova and the County of Sacramento. The MCC application will be made in conjunction with your application for a home loan to purchase the home.

MCC Program:

  • A tax credit of 20% of the annual mortgage interest paid (amount of the credit cannot be more than the annual federal income tax liability after all other credits and deductions have been taken into account)
  • MCC will be in effect for the life of the original mortgage loan, provided property remains owner occupied
  • MCC may be reissued one time, upon the first refinance of the original mortgage loan
  • MCC may be used with conventional loans, fixed-rate or adjustable loans, FHA and VA loans (MCCs are not available with bond-backed loans such as CHFA or Cal-Vet)
  • There is a $250 application fee

Eligible Applicants:

First-time homebuyers (have not owned and occupied a home as a principal residence within the preceding three years) (in federally designated target areas, you do not have to be a first-time homebuyer)

  • Able to qualify for a loan to purchase the home
  • Must live in the home being purchased
  • Do not exceed the following income limitations:
    • 1 or 2 person household:
      • Non-Target Areas: $75,100
      • Target Areas: $90,120 (Contact us for a list of Targeted areas)
    • 3 or more person household:
      • Non-Target Areas: $86,365
      • Target Areas: $105,140 (Contact us for a list of Targeted areas)

Eligible Properties:

Single-family homes that are located within the cities of Sacramento, Elk Grove, Folsom, Isleton, Galt, Citrus Heights, Rancho Cordova and the unincorporated areas of the County of Sacramento.

  • Maximum purchase price limits for new and existing homes:
    • Non-Target Areas: $522,000
    • Target Areas: $638,000 (Contact us for a list of Targeted areas)

Ask your VITEK Mortgage Loan Originator for more information on the Mortgage Credit Certificate, or contact us for details.