Click on events listed on the calendar for more information, or call the Association office at 209-725-2165.


We must reverse the decline in California’s homeownership rate. For over 100 years Congress has incentivized homeownership with the tax code; currently through the mortgage interest deduction.  Any effort at reforming the tax code should maintain and prioritize this incentive. The current proposal only pays lip service to incentivizing homeownership. The proposed changes will result in only five-percent of taxpayers itemizing their deductions. Therefore, the vast majority of people will no longer receive any tax incentive to purchase a home. So, while the proposal keeps the mortgage interest deduction, the incentive effect of the deduction for Americans to become homeowners disappears.


This is a tax increase on California homebuyers and homeowners. Congress needs to protect taxpayers from double-taxation and maintain the deduction for state and local taxes, including property taxes.  Not allowing the average homeowner in California to deduct their property, state and local taxes would effectively raise their taxes $3,000 a year!  The Federal government would tax families on money paid to the state and to local governments they never used. 

To send a message to your representative click this link. 



The Annual Dinner/Dance/Auction to benefit the Merced County Food Bank, The Salvation Army, the Boys & Girls Club lunch program, and the Merced County Rescue Mission will be held on Saturday, November 18, at 5:00 p.m., at the Merced Elks Lodge in Merced.

Please save the date!


The MCAR Charitable Foundation recently revised the income guidelines for the first-time homebuyers downpayment assistance program, as follows:

The household income cannot exceed 80% of California’s Low Income Limits adjusted for household size.  Currently, the maximum qualifying income guidelines, based upon the number of persons in the household, are as follows:  (1) $41,050, (2) $46,900, (3) $52,800, (4) $58,650, (5) $63,350, (6) $68,000, (7) $72,700, and (8) $77,400.

Other restrictions apply.  Not all applicants will receive funding.  In order to submit an application, applicants must attend a free workshop at the Association office.

The next workshop will be held on Wednesday, November 29, from 3:30 p.m., to approximately 5:00 p.m., and again at 5:30 p.m., to approximately 7:00 p.m., at the Association office, 635 W. Main Street in Merced.  Advance reservations are required.  To make a reservation, please call the office at 209-725-2165.