Home At Last™ Mortgage Credit Certificate

As part of our Home At Last™ programs, the Nevada Rural Housing Authority’s Mortgage Credit Certificate (MCC) program ensures homeownership remains affordable by providing eligible first-time buyers and qualified veterans* with an annual federal income tax credit equal to 30% of the mortgage interest paid (up to an annual maximum of $2,000) every year for the life of the loan. Don’t miss out because the MCC is only available at the time the home is purchased! Read on to learn more!

View the MCC Income and Purchase Price Limits

View Home At Last™ Program Fees

Learn About Recapture Tax

What is Considered “Rural”? Verify Property Eligibility

*Title 38 of the Code of Federal Regulations defines a veteran as “a person who served in the active military, naval, or air service and who was discharged or released under conditions other than dishonorable.”

REFINANCING? Do you need to have an existing MCC reissued?

All MCC reissuance applications should be submitted directly to:
Nevada Rural Housing Authority
Attn: Home At Last
3695 Desatoya Drive
Carson City, NV 89701

MCCs must be reissued after refinancing in order for the Borrower to continue claiming the annual Federal Tax Credit. There is no limit to the number of times a Borrower may refinance, but the MCC benefit can never increase from the original MCC issued at the time the home is purchased.

The MCC Reissuance Application is provided in the link below – please be sure to submit all required documents (listed on the second page) with the application. The Borrower or lender may complete MCC Reissuance Application. There is a $395 MCC administrative fee paid by the Borrower to Nevada Rural Housing Authority at the time the application is submitted to Nevada Rural Housing Authority. For questions or assistance, please contact us at MCC@NVRural.org.


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