Mortgage Credit Certificate (or also referred to as MCC) is a federal tax credit available to first time home buyers who meet certain requirements. With the tax credit, eligible home buyers can adjust their their withholding to take advantage of the savings monthly instead of waiting until they file their taxes. The MCC remains available as long as the borrower owns and occupies the property.
Buying a home is one of the most important financial decisions you’ll ever make — and understanding the mortgage process is key to making confident, informed choices.
In this section, you’ll find educational resources designed to help you navigate every step of the home buying journey. Whether you’re a first-time homebuyer, moving up to your next home, purchasing an investment property, or exploring options for a second home, these articles break down complex mortgage concepts into clear, practical guidance.
Topics include:
- Getting pre-approved
- Understanding credit and qualifying
- Down payment assistance programs
- Closing costs and escrow
- Appraisals and underwriting
- The mortgage process from offer to keys
My goal is to help you understand not just how to qualify — but how to structure your financing strategically so it supports your long-term financial goals.
If you’re buying a home in Washington State (or anywhere in the U.S.), and you want thoughtful guidance instead of pressure, this is a great place to start.
Home Buyer Class in Green Lake
April 9, 2014 by Leave a Comment
Do you or someone you know want to learn more about the home buying process? If so, you might consider attending my next Home Buyer Class that I will be teaching with Jim Reppond of Coldwell Banker Danforth. This class is sponsored by the Washington State Housing Finance Commission and participants are eligible for down payment assistance, programs like Home Advantage or Home Possible and/or mortgage credit certificates (MCC).
Home Buyers Seminar in Kent on Saturday, April 5, 2014
March 25, 2014 by Leave a Comment
UPDATE: Please visit our pre-recorded online Homebuyer Workshop if you would like to learn more about the home buying process or visit WSHFC’s site to sign up for a class.
Would you like to learn more about the home buying process?
Would you like to qualify for down payment assistance?
Join me and my fellow instructor, Ira Sacharoff of Better Properties Real Estate as we review what happens during the home buying and mortgage process during this Washington State Housing Finance Commission sponsored class. Class participants may be eligible for mortgage programs and down payment assistance programs offered by the Washington State Housing Finance Commission (WSHFC), such as the Home Advantage Mortgage. This class also satisfies the home buyer education requirement for Freddie Mac’s Home Possible Program.
