Am I getting part of the mortgage interest back when filing tax

All these years I thought that I am getting 25% of the mortgage interest back since I am in the 25% tax bracket.

Not so true.

I am filing jointly and my standard deduction is higher than the mortgage interest.  In other words, my itemized deduction is less than the standard deduction.   So I get to deduct the standard deduction amount from my income.  Even if I don’t have mortgage interest I will still get the same tax benefit.

conclusion, when people say that mortgage interest is good that you get money back while filing tax, tell them not always.

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