My mortgage lender is asking me for my schedule A. If I took the standard deduction do I get a schedule A? And if I do, how do I get it?

[DoninGA]

If you have the standard deduction entered on your federal tax return, Form 1040, there will not be a Schedule A included with your tax return.

[macuser_22]

There is only a schedule A if you has enough deductions to exceed the stranded deduction.   If not, then schedule A does not exist.

(It seems that mortgage lenders are clueless about taxes.)

[Carl]

Either find another loan officer, or if you want you can educate the loan officer you're dealing with now.

Refer them to IRS Publication 17, page 91, third column "Who should itemize" at https://www.irs.gov/pub/irs-pdf/p17.pdf where it states: You should itemize deductions if your total deductions are more than your standard deduction amount.

So if your standard deduction was higher than your itemized deductions, a SCH A was not required. Therefore, the TTX program did not generate the form.