information for current mcc holders 
Claiming Your Credit
To claim your mortgage credit, complete IRS Form 1040 for the current tax year. Forms 1040A and 1040EZ cannot be used for the MCC Program. Remember that the percentage of mortgage interest that is not claimed as a direct tax credit may be claimed as an itemized deduction, as long as you have sufficient tax liability.
Getting a Copy of Your Mortgage Credit Certificate
If you need information about your MCC to complete your income tax return, download the Request for Copy of MCC form from our download center. Complete the form and fax it to 614.995.0487. You may also mail the form to:
Ohio Housing Finance Agency
Attention: Office of Homeownership
57 East Main Street
Columbus, Ohio 43215
We will process your request within seven business days of receiving your form.
Refinancing Your Home
If you currently hold an MCC and you decide to refinance your home, OHFA will need to reissue your Mortgage Credit Certificate to be used during the lifetime of your new loan. The new certificate must be reissued within one year of refinancing the residence.
In order for OHFA to reissue the MCC, you will need to supply the Agency with the following documents:
- Copy of original certificate or reissued certificate
- Copy of new note
- Copy of original note
- Copy of most recent year's federal tax return
- Copy of new Settlement Statement
- Current telephone number
In accordance with regulations in IRS Publication 530, the above requirements for a reissued MCC will:
- Replace the existing certificate
- Show credit rate used to calculate credit
- Show the certified indebtedness amount
Questions?
You may want to review IRS Publication 530 for a further explanation of Mortgage Credit Certificates and how you can claim the credit. For more information about OHFA's Mortgage Credit Certificate Program, please contact:
Office of Homeownership
Ohio Housing Finance Agency
57 East Main Street
Columbus, Ohio 43215
888.362.6432
