Page 5 — NCSHA

MRBs and Other Federal Homeownership Programs Reference Guide

This online reference guide includes links to reference materials useful for HFA program administration. […]

HOME and Housing Trust Fund Reference Guide

A collection of helpful links for HOME program administrators. […]

Section 8 and Other Federally Assisted Multifamily Housing Reference Guide

MRBs and Other Federal Homeownership Program resources. […]

Mortgage Credit Certificate Program Q&A

What is the Mortgage Credit Certificate (MCC) Program?
The MCC program is a home buyer assistance program designed to help lower‐income families afford home ownership. The program allows home buyers to claim a dollar‐for‐dollar tax credit for a portion of mortgage interest paid per year, up to $2,000. The remaining mortgage interest paid may still be calculated as an itemized deduction. […]

NCSHA Comments on SEC Concept Release on MBS Disclosure Requirements

On December 1, 2025, NCSHA submitted these comments in response to the U.S. Securities and Exchange Commission’s (SEC) October 1 Concept Release soliciting input on potential changes to its disclosure requirements for mortgage-backed securities (MBS) and other asset-backed securities (ABS). In the letter, NCSHA urges the SEC to proceed cautiously when amending its regulatory definitions […]

NCSHA Priorities in the ROAD to Housing Act

This paper highlights provisions NCSHA believes to be the most impactful in the Renewing Opportunity in the American Dream to Housing Act of 2025 (ROAD to Housing Act), a sweeping bipartisan housing-reform bill sponsored by Senate Banking Committee Chair Tim Scott (R-SC) with key support from Ranking Member Elizabeth Warren (D-MA) that combines 40 stand-alone […]

NCSHA Comments on FHFA Strategic Plan for 2026–30

On November 3, 2025, NCSHA sent the attached comment letter to the Federal Housing Finance Agency (FHFA), sharing input on the agency’s proposed Strategic Plan for fiscal years 2026 to 2030. The plan outlines the agency’s priorities as the regulator of the Federal Home Loan Bank (FHLB) system and the government-sponsored enterprises (GSEs) Fannie Mae […]

NCSHA Comments on Proposed GSE Affordable Housing Goals 2026–28

On November 3, 2025, NCSHA submitted the attached comments to the Federal Housing Finance Agency (FHFA) responding to its proposed Affordable Housing Goals for the government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac for 2026 to 2028. In the letter, NCSHA expresses concern about FHFA’s proposal to reduce the GSEs’ single-family housing goals for low-income […]

Background on the Qualified Contract Problem and Solution

This document explains what qualified contracts are and why they are resulting in the loss of Low-Income Housing Tax Credit properties from the affordable housing inventory. It also details how Congress can reduce and ultimately eliminate qualified contracts. View Document […]