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Texas Department of Housing & Community Affairs - Building Homes and Strengthening Communities

This is My Spot!

Jorge Reyes, TDHCA

Caption below

Andrea P., Leander
Texas Mortgage Credit Program
Photo: Jorge Reyes

People buy a house for many reasons. Some are tired of paying rent. Others are upgrading to a bigger home. Chances are the main reason people buy a house is the same reason Andrea P. bought hers. “It was solely for my kids. Don’t get me wrong, I completely enjoy it and I appreciate it but it was definitely for them. It’s something I can someday pass to them.”

Andrea tapped into the TDHCA’s Mortgage Credit Certificate Program (MCC) to help her purchase a three bedroom house for her three kids and herself in Leander. “I had been looking since August of 2009 and wanted to make sure I just didn’t jump into anything. It’s been quite a process. I’ve looked at many, many homes. I really appreciate this program. It’s an extra incentive to pay off my home.” An MCC allows the homebuyer to claim a tax credit for some portion of the mortgage interest paid per year. It is a dollar for dollar reduction against their federal tax liability.

So now that Andrea and her kids have a new home close to a good school all she has to do is get used to being a homeowner. “It’s kind of surreal owing a home. It didn’t really hit me until after a week I was in the home and I was at the grocery store and I was like, ‘Oh my God, this is my new grocery store! This is my spot!’”

Need Assistance?
If you or someone you know needs similar assistance, please visit our Help for Texans page to find a local provider.

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If you would like to administer this program to others in your community, please visit our Notice of Funding Availability (NOFA) page for current opportunities.

Learn more about this program:
Mortgage Credit Certificate