10/09/2026
🏡 TAX MYTH vs. FACT: Let's Talk Mortgage Interest! 💰
Just because you own a home doesn't automatically mean you'll receive a tax deduction for your mortgage interest!
As both a Mortgage Loan Officer and an experienced Tax Professional, I have the opportunity to help clients understand something important: Buying a home is more than a mortgage decision. It's a financial and tax decision!
💡 Here's what I want you to know:
Mortgage interest may be tax-deductible, but there's a catch! Generally, you must itemize your deductions rather than take the standard deduction to receive the federal mortgage interest deduction on your personal residence.
And here's where tax planning becomes important.
Depending on your filing status, mortgage interest, property taxes, charitable contributions, and other eligible deductions, itemizing may or may not provide a greater tax benefit.
My advice? Don't purchase a home simply for the tax deduction. Purchase a home because it makes financial sense for you and supports your long-term goals.
With my background in tax preparation, tax planning, and mortgage lending, I bring a different perspective to the homebuying process. I understand how your income, tax returns, and financial decisions can affect your ability to qualify for a mortgage AND your overall financial picture.
✨ My goal isn't simply to help you purchase a home. It's to help you make informed decisions that build wealth, protect your finances, and create a lasting legacy.
🏡 Thinking about buying a home, refinancing, or exploring your homeownership options?
Let's talk about the mortgage AND the numbers behind it!
📲 Angelina Garner | Mortgage Loan Officer
Loan Factory | NMLS #2212251
📧 [email protected]
🌐 www.loanfactory.com/angelinagarner
Building Homes, Wealth & Legacy.
