Michiana Homes for Sale by Denise Graves
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Indiana Homeowner Tax Credit


If you are planning on purchasing your first home in Indiana, the Indiana Housing and Community Development Authority may have an offer to help you afford more home. The Mortgage Credit Certificate program is fairly simple.

The amount of your credit is based on your mortgage amount. The credit is then multiplied by your mortgage interest to determine your credit.

Mortgage Amount Tax Credit Rate
 $50,000 or Less   35%
$50,001 - $70,000 30%
 $70,001 - $90,000 25%
$90,000 and more  20%




  • Can't have owned home in last 3 years
  • Income limits based on household size ($60,800 for 1-2 people in St. Joe county)
  • Credit can't exceed actual tax liability and can't exceed $2,000
  • Reservation fee charged by IHCDA of .5% of loan amount (can be seller paid - confirm)

For more information, contact:


 Lori Hiscock
 Senior Loan Officer





Office: 574-234-5201
Fax: 574-234-8168

Ruoff Home Mortgage                        
1710 E. Edison Rd. 46617
Mishawaka, IN 46617


Buying Services for Home Buyers


  Congratulations!  You have decided to purchase a home, or are thinking about buying one.  You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family.  When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours.  Over time, your home will increase in value.

In the following reports, you'll find the information you need to make a wise buying decision.  We'll take you through the planning process step-by-step , to help you determine which home is right for you.  You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.

Please contact me if you have any questions about buying a home in Michiana or elsewhere in Indiana.

Below, select desired reports and complete the form provided.


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Client Hotline: 574-360-9328
Voice Mail: 574-235-3893


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