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✅ Get a Tax Credit with a Mortgage Credit Certificate (MCC) If you’re a first-time homebuyer, you may qualify for an MCC, which lets you claim a tax credit worth up to 20–25% of the mortgage interest you pay each year — up to $2,000/year. 💡 That’s not just a deduction — it’s a direct credit off your tax bill. 👉 MCCs are offered through state or local housing agencies, and availability varies. Some areas in Virginia and Maryland have offered them in the past, but not all do now. Contact for mor
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