@Helen123 , pardon my error. However, if you look through the thread with the responses , i am reasonable certain that we have generally answered your questions ( as understood/ articulated). It is also very true that we think we have sufficiently answered the question, , we may still be missing the nuances / exact situation of the question -- for this I beg your pardon.
. As to your specific questions above / last post --
1. for the FBAR /FATCA question, you as a signatory but not operating the GB account, FBAR is definitely valid ( FinCen form 114 -- only on-line at www.Fincen.gov ), FATCA form 8938 if . and only if . you meet the threshold --- see this page -->
Summary of FATCA Reporting for U.S. Taxpayers | Internal Revenue Service (irs.gov)
2. Mortgage interest deduction --- since you do not pay the mortgage and you are filing Married Filing Sep, you cannot claim this deduction ( if and only if you itemize ). However , if you choose to buy a house here in the USA and pay the mortgage the obviously you would be entitled to claim that interest and property tax deductions.
I have no issue with your other comments so far.
Hope this puts to bed your this series of questions/doubts -- yes ?
Is there more one of us can do for you ?
pk
