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Mary Ann Lamberth, Loxley

Mary Ann Lamberth of Loxley and her daughter Rachel wanted to buy a home for the first time.

Mary Ann’s lender, Bree Shores with FirstBank, said, “The MCC program made all the difference for them. It put them in a price range where they were able to find a newer home that required less maintenance, lower utilities, and better homeowner’s insurance rates. They would not have the home they have today without the MCC program.”

In addition, MCCs provide a tax credit to reduce the amount of federal taxes owed by a percentage of the annual mortgage interest paid each year. The remaining annual interest may be claimed as a mortgage interest deduction on the homebuyer’s federal tax return. Homebuyers receive a larger federal tax break or tax refund each year. 

Mary Ann shares their journey towards buying a home and how using AHFA’s Mortgage Credit Certificate (MCC) program made it possible.