Alabama Mortgage Credit Certificate (MCC)
Alabama Housing Finance Authority
About This Program
The Grant Map catalogs Alabama Mortgage Credit Certificate (MCC) in its Anniston, AL research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
Federal income tax credit equal to 20% of annual mortgage interest paid, up to $2,000 per year. For first-time homebuyers in Alabama who meet income limits. The MCC reduces federal tax liability for the life of the mortgage.
Annual tax credit equals 20% of mortgage interest paid, maximum $2,000/year
The cited program-specific URL responded on 2026-07-21; confirm current terms.
Record set last reviewed 2026-06-09. How we verify our data.
Other published resources for Anniston, AL, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- FEMA Hazard Mitigation Grant Program (HMGP) Varies, no individual cap; projects typically $10K-$200K+
- FEMA Increased Cost of Compliance (ICC) Coverage Up to $30,000
- HUD Lead Hazard Control & Healthy Homes Varies by jurisdiction, typically $5,000-$15,000 per unit
- EPA / WIIN Act Lead Service Line Replacement Varies, full line replacement cost covered in many programs
Key Details
- 20% of annual mortgage interest as tax credit
- Up to $2,000 per year tax savings
- For first-time homebuyers
- Income limits apply
- Valid for life of mortgage
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
Your application paperwork
Documents you will likely need
- Your federal tax return for the year of the work (this benefit is claimed on your taxes, not through a separate application).
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
- The program's own application form, completed (use the official link or phone number on this page).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Ongoing program
Questions about this program?
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Frequently asked questions
What amount is listed for Alabama Mortgage Credit Certificate (MCC) in Anniston, AL?
The Grant Map record states: Up to $2,000 annual tax credit. Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for Alabama Mortgage Credit Certificate (MCC) in Anniston?
The directory record carries audience tags for homeowners. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for Alabama Mortgage Credit Certificate (MCC) in Anniston, AL?
Confirm the application route directly with Alabama Housing Finance Authority; use the cited source on this page as a starting point or call (334) 244-9200. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Anniston, AL
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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