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First-time Homebuyer Programs in San Mateo County – Must be a first-time home buyer or be a “move-closer” buyer purchasing near transit in San Mateo County . COUNTY OF SAN MATEO . Mortgage Credit Certificate Program (MCC) California Housing Finance Agency (CalHFA) (1-877) 922-5432 . MCC Tax Credit equal to 15% of the Mortgage Amount : Good for the life of the original loan . Please contact.