State of Hawaii Mortgage Credit Certificate (MCC) Program

  • Provides housing assistance to families of low or moderate income.
  • Reduces the amount of federal income tax you pay, thus giving you more available income to qualify for a mortgage loan and assist you with house payments.
  • For more information on MCC, visit the webpage for Department of Business, Economic Development & Tourism Hawaii Housing Finance & Development Corporation Mortgage Credit Certificate.


Understand the Loan Process - Learn what to expect in a loan pre-qualification and see what happens once you have started the loan application process.

Attend a Homeownership Seminar - We offer a number of seminars throughout the year; check out the schedule of events. There is no obligations. Registration is free and simple.

Mortgage Glossary - Need a reminder on mortgage lingo? Use the handy glossary to learn more.



The State of Hawaii Mortgage Credit Certificate (MCC) is issued by Hawaii Housing Finance and Development Corporation (HHFDC) to eligible borrowers including income limits and purchase price limits. An MCC application is required with the mortgage loan application and is subject to a $25 application fee and a fee of $400 to process the MMC application through HHFDC. The program is subject to change or cancellation at any time. Tax situations will vary by borrower. Please consult a tax advisor. For more information on MCC click here.