Arizona Mortgage Credit Certificate Program

Arizona Department of Housing

Available Down Payment

About This Program

Arizona Mortgage Credit Certificate Program is available to homeowners in Chandler, AZ.

Federal tax credit equal to 50% of mortgage interest paid annually, up to $2,000 per year. Can be claimed every year for the life of the mortgage. Increases purchasing power by reducing tax liability. Must meet income and purchase price limits.

Annual tax credit averages $1,500 per year

Data last verified 2026-05-25. How we verify our data.

In Chandler, AZ, you can combine this program with other local help to cut your cost:

Key Details

  • 50% of mortgage interest as tax credit
  • Up to $2,000 annually for loan life
  • First-time homebuyer requirement
  • Income and price limits apply
  • Increases buying power significantly

How to Apply

A grant-savvy contractor in Chandler, AZ can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Your federal tax return for the year of the work (this benefit is claimed on your taxes, not through a separate application).
  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Available year-round

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Arizona Mortgage Credit Certificate Program provide in Chandler, AZ?

Annual tax credit up to $2,000.

Who qualifies for Arizona Mortgage Credit Certificate Program in Chandler?

Arizona Mortgage Credit Certificate Program is open to homeowners in Chandler, AZ.

How do I apply for Arizona Mortgage Credit Certificate Program in Chandler, AZ?

Apply directly with Arizona Department of Housing using the official program link on this page or call (602) 771-1000. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Find More Programs in Chandler, AZ

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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