If you want to look at it that way......but you paid no tax. on your income. Income tax refunds come from overpaying your taxes. You cannot get a deduction for a refund of taxes you did not pay in the first place. And if it is any comfort , most people cannot deduct their mortgage interest nowadays. The standard deduction increased with 2018 and beyond, making it very difficult for people to use itemized deductions like mortgage interest,
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