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I made up this flyer to explain a great first time home buyer's program that give tax credits to buyers. Hallmark is one of the few lenders approved in Indiana to offer this program. It generally only takes about 6 months to make up for the upfront fee & every month after that is pure savings! This is truly a great government program that not enough people know about!
Indiana Housing & Community Development Authority (IHCDA)
Did you know that your 1st time home buyers could qualify for a tax credit on their federal income taxes? There are only 3 requirements:
Must be a 1st time home buyer: Anyone who has not had ownership interest in a home during the past 3 years.
Household Income Limit (Fort Wayne & surrounding area)
1-2 member household: $60,600
3+ member household: $69,690
Acquisition Limit (Fort Wayne & surrounding area)
New or existing home sales price limit: $237,031
Reservation Fee = 0.50% of the mortgage amount
Example: $100,000 mortgage x 0.50% = $500 one-time fee up front
How does it help a customer qualify?
FHA: The monthly MCC credit can be subtracted directly from the buyer's proposed PITI before the ratios are calculated.
Conventional: The monthly MCC credit should be added to the borrower's income before ratios are calculated.
VA: The borrower's federal tax liability should be reduced by the MCC credit. This will only improve the buyer's residual income position and will have no impact on the buyer's ratios.
Reservations are being accepted on a first come, first serve basis
Takes no extra time to close & requires no additional inspections
MCC Credit Chart
Loan Amount MCC Tax Credit %
$90,001 + 20%
$70,001 to 90,000 25%
$50,001 to 70,000 30%
$0 to $50,000 35%
Example Yearly Tax Credit Calculation
If a customer bought a home with a $100,000 loan amount at 6.500% interest rate, they would get a tax credit of $6,500 (annual interest) x 20% = $1,300! That equals $108.33 every month for the first year!
For more information please contact:
Nathan J. Gaier
The Gaier Team
Senior Mortgage Consultant
Hallmark Home Mortgage
7421 Coldwater Road, Fort Wayne, IN 46825
Office: 260-469-0917 or 888-490-1428 (receptionist)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.