Mortgage Tax Incentive ??

[Ivan Shao]

Hello , BP community !!

I heard there is a kind of mortgage would offer tax incentive.  For example, 30 yrs fixed / 4% ;  we make mortgage monthly as regular mortgage payment but by the end of the year,  mortgage lender would kick back 1% of that year accumulated interested;  so it would be about 3% interest.  

Has anyone heard about such mortgage incentive program? 

Thank you!!