<html> <head> <meta http-equiv=Content-Type content="text/html; charset=unicode"> <meta name=Generator content="Microsoft Word 15 (filtered)"> <style> <!-- /* Font Definitions */ @font-face {font-family:"Cambria Math"; panose-1:2 4 5 3 5 4 6 3 2 4;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {margin:0in; margin-bottom:.0001pt; font-size:12.0pt; font-family:"Times New Roman",serif;} a:link, span.MsoHyperlink {color:blue; text-decoration:underline;} a:visited, span.MsoHyperlinkFollowed {color:purple; text-decoration:underline;} p.msonormal0, li.msonormal0, div.msonormal0 {mso-style-name:msonormal; margin-right:0in; margin-left:0in; font-size:12.0pt; font-family:"Times New Roman",serif;} p.style3, li.style3, div.style3 {mso-style-name:style3; margin-right:0in; margin-left:0in; font-size:12.0pt; font-family:"Arial",sans-serif;} p.style4, li.style4, div.style4 {mso-style-name:style4; margin-right:0in; margin-left:0in; font-size:24.0pt; font-family:"Times New Roman",serif;} p.style5, li.style5, div.style5 {mso-style-name:style5; margin-right:0in; margin-left:0in; font-size:24.0pt; font-family:"Arial",sans-serif;} p.style6, li.style6, div.style6 {mso-style-name:style6; margin-right:0in; margin-left:0in; font-size:12.0pt; font-family:"Times New Roman",serif;} p.style7, li.style7, div.style7 {mso-style-name:style7; margin-right:0in; margin-left:0in; font-size:12.0pt; font-family:"Times New Roman",serif;} p.msochpdefault, li.msochpdefault, div.msochpdefault {mso-style-name:msochpdefault; margin-right:0in; margin-left:0in; font-size:10.0pt; font-family:"Times New Roman",serif;} span.style31 {mso-style-name:style31; font-family:"Arial",sans-serif;} span.style41 {mso-style-name:style41;} .MsoChpDefault {font-size:10.0pt;} @page WordSection1 {size:8.5in 11.0in; margin:1.0in 1.0in 1.0in 1.0in;} div.WordSection1 {page:WordSection1;} --> </style> </head> <body lang=EN-US link=blue vlink=purple> <div class=WordSection1> <table class=MsoNormalTable border=0 cellspacing=3 cellpadding=0> <tr> <td width=813 style='width:609.75pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=center style='text-align:center'><img width=344 height=186 src="Images/MCC_web.png"><br> <b><span style='font-family:"Arial",sans-serif'><br> </span></b><span class=style41><b><span style='font-size:24.0pt;font-family: "Arial",sans-serif'>Florida Housing Mortgage Credit</span></b></span><b><span style='font-size:24.0pt;font-family:"Arial",sans-serif'><br> <span class=style41>Certificate Program</span></span></b></p> </td> </tr> <tr> <td style='padding:.75pt .75pt .75pt .75pt'> <table class=MsoNormalTable border=0 cellspacing=3 cellpadding=0 width=867 style='width:649.95pt'> <tr> <td width=214 valign=top style='width:160.2pt;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><b><span style='font-family:"Arial",sans-serif'><strong><a href="https://apps.floridahousing.org/StandAlone/MCCReservations/PDFReport.aspx?REPORT=MCCIncomeLimits" target="_blank">Income Limits</a></strong><br> <br> <strong><span style='font-family:"Arial",sans-serif'><a href="https://apps.floridahousing.org/StandAlone/MCCReservations/PDFReport.aspx?REPORT=MCCPurchasePriceLimits" target="_blank">Purchase Price<br> Limits</a></span></strong></span></b><br /> <br /> </p> <p class=MsoNormal><b><span style='font-family:"Arial",sans-serif'> <strong><a href="http://www.floridahousing.org/FH-ImageWebDocs/Housing%20Partners/Lenders/MCCProgram/Homebuyer Education - MCC Webpage.pdf" target="_blank">First Time Homebuyer Education</a></strong><br> <br> <span style='font-family:"Arial",sans-serif'> <strong><a target="_blank" href="http://www.floridahousing.org/FH-ImageWebDocs/Housing%20Partners/Lenders/MCCProgram/Targeted Areas.pdf">What is a targeted area?</a></strong></span></span></b></p> <p class=MsoNormal><b><span style='font-family:"Arial",sans-serif'> <br> <strong><span style='font-family:"Arial",sans-serif'><a href="http://www.floridahousing.org/FH-ImageWebDocs/Housing%20Partners/Lenders/MCCProgram/2017 Loan Officer Quick Reference.pdf" target="_blank">Loan Officer Quick Reference</a></span></strong><br> <br> <strong><span style='font-family:"Arial",sans-serif'><!--<br> <strong><span style='font-family:"Arial",sans-serif'><a href="https://apps.floridahousing.org/StandAlone/MCCReservations/PDFReport.aspx?REPORT=MCCLenderList" target="_blank">List of Participating<br> Lenders</a></span></strong><br>--><a href="http://www.floridahousing.org/FH-ImageWebDocs/Housing%20Partners/Lenders/MCCProgram/Participating%20Lender%20Requirements%20-%202014.pdf" target="_blank">How to Become a Participating Lender</a></span></strong><br> <br> <strong><span style='font-family:"Arial",sans-serif'><!--<br> <strong><span style='font-family:"Arial",sans-serif'><a href="https://apps.floridahousing.org/StandAlone/MCCReservations/PDFReport.aspx?REPORT=CounselingAgencies" target="_blank">List of Homebuyer <br> Education Providers</a></span></strong><br>--><a href="http://www.floridahousing.org/FH-ImageWebDocs/Housing%20Partners/Lenders/MCCProgram/MCC Lender Training - May 22, 2017_B.pdf" target="_blank" title="Lender Training">Lender Training</a></span></strong><br> <br> <strong><span style='font-family:"Arial",sans-serif'><a href="https://www.FloridaHousing.org/Extranet2" target="_blank">Lender Portal</a></span></strong><br> <br> <strong><span style='font-family:"Arial",sans-serif'><a href="http://www.floridahousing.org/FH-ImageWebDocs/Housing%20Partners/Lenders/MCCProgram/MCC LENDER GUIDE - 2017 Program 20170601.pdf" target="_blank">Lender Guide </a></span></strong><br> <br> </p> <p class=MsoNormal><b><span style='font-family:"Arial",sans-serif'> <strong>Marketing Materials:</strong><br> <strong><span style='font-family:"Arial",sans-serif'>&nbsp;&nbsp;&nbsp;&nbsp; <a href="http://www.floridahousing.org/FH-ImageWebDocs/Housing%20Partners/Lenders/MCCProgram/MCC_flyer_4_20_15_FINAL.pdf" target="_blank">% Color MCC Flyer</a></span></strong><br> <strong><span style='font-family:"Arial",sans-serif'>&nbsp;&nbsp;&nbsp;&nbsp; <a href="http://www.floridahousing.org/FH-ImageWebDocs/Housing%20Partners/Lenders/MCCProgram/MCC_flyer_4_20_15_FINAL_BW.pdf" target="_blank">% B&amp;W MCC Flyer</a></span></strong><br> <strong><span style='font-family:"Arial",sans-serif'>&nbsp;&nbsp;&nbsp;&nbsp; <a href="http://www.floridahousing.org/FH-ImageWebDocs/Housing%20Partners/Lenders/MCCProgram/MCC_Flyer_Spanish.pdf" target="_blank">% MCC Flyer (Spanish)</a></span></strong></span></b></p> <br /> &nbsp;<br /> </td> <td valign=top style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Arial",sans-serif'>The Florida Housing Mortgage Credit Certificate (MCC) Program can help first time homebuyers save money each year that they live in their home. With the MCC Program the homeowner can claim up to 50 percent of their paid mortgage interest each year as a TAX CREDIT on their federal IRS tax return. The credit is capped at $2000* annually and any remaining mortgage interest not included as part of the TAX CREDIT is still eligible for the home mortgage interest deduction on their federal tax return. <br> <br> Each year, a homeowner may claim a dollar-for-dollar reduction of income tax liability on up to 50 percent of the mortgage interest on their first mortgage (depending on the loan amount), reducing the amount of federal taxes owed. <br> <br> Florida Housing s MCC Program is for first time homebuyers purchasing a home, non-first time homebuyers purchasing a home in targeted areas in Florida or for eligible veterans purchasing a home anywhere in Florida. <br> <br> The Florida Housing MCC can be issued with any <!--<a href="https://apps.floridahousing.org/StandAlone/MCCReservations/PDFReport.aspx?REPORT=MCCLenderList" target="_blank">-->participating lender s<!--</a>--> fixed rate first mortgage loan. It cannot be used with our First Time Homebuyer (bond loan) Program or local housing agency bond loans. <br> <br> The MCC Program has <a href="https://apps.floridahousing.org/StandAlone/MCCReservations/PDFReport.aspx?REPORT=MCCIncomeLimits" target="_blank">income</a> and <a href="https://apps.floridahousing.org/StandAlone/MCCReservations/PDFReport.aspx?REPORT=MCCPurchasePriceLimits" target="_blank">purchase price</a> limits. These limits differ from county to county as well as by household size. Please contact a participating lender if you have questions or would like to apply for a MCC.</span></p> <p class=MsoNormal><span style='font-family:"Arial",sans-serif'>&nbsp;</span></p> <p class=MsoNormal><span style='font-family:"Arial",sans-serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-family:"Arial",sans-serif;color:red'><a href="http://www.floridahousing.org/MCC/ProgramUpdates" target="_blank" title="Program Updates"><span style='text-decoration:none'>Program Updates</span></a></span></p> </td> </tr> </table> </td> </tr> </table> <p class=MsoNormal>&nbsp;</p> </div> </body> </html>