Deductions & credits

I should add that Turbotax correctly reports (from my 1098's) that I have paid 15k in property taxes and 26k in mortgage interest, but then insists that I take the Standard 24k deduction.  (Even if only 10k of the property taxes are now deductible, that still means I have 36k in deductions from mortgage interest and taxes alone--obviously a lot more than 24k.)  Clearly it is adding together my 640k mortgages (which are a single mortgage that got refinanced) and disallowing the interest.