Texas Mortgage Credit Certificate Program

Texas Mortgage Credit Certificates save Texas first time home buyers up to $2,000 per year on their federal income taxes.

*Starting February 1, 2019, MCCs will only be offered in combination with a My First Texas Home mortgage loan. MCCs reserved as a stand-alone option prior to February 1, 2019, will be honored (assuming receipt of compliance approval).


  • Dollar-for-dollar reduction on federal tax liability up to $2,000 per year for as long as you owe on the mortgage loan and live in your first home.
  • Available to qualified first time home buyers from all professions
  • No minimum FICO (credit) score for Stand-alone MCC option (MCC Only option)
  • Available statewide through a network of participating lenders
  • Buyers can maximize their benefits when they combine a Texas Mortgage Credit Certificate with a My First Texas Home mortgage loan!


  • First time homebuyer, veteran or a homebuyer who has not owned a home within the past three years
  • Income limits apply
  • Purchase price limits apply
  • Other requirements may apply

Fill out the form below to be contacted by a participating lender: