A Mortgage Credit Certificate reduces the amount of federal income tax you pay. This gives you more available income to qualify for a mortgage loan and assist with your mortgage payments. The Housing Finance Agency (HFA) is responsible for issuing the certificate. U.S. Bank does not have a copy of the certificate.

If you have any questions about your mortgage account, please call us at 800-365-7772.

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.