You are correct, the mortgage interest credit is non-refundable and should not increase your refund if you do not have any taxable income. Can you please verify that you have no taxable income by previewing your return:
- Open or continue your return.
- Select Tax Tools in the left menu (if you don't see this, select the menu icon in the upper-left corner).
- With the Tax Tools menu open, you can then view your 1040 form: Select Tools. Next, select View Tax Summary in the pop-up, then Preview my 1040 in the left menu
- Scroll down until you see Form 1040 Line 18. This should be your tax before any credits are applied. If there is an amount there, your Mortgage Interest Credit should be part of Line 20 and may be combined with other credits. You can see the Mortgage Interest Credit alone by scrolling down to Schedule 3 Line 6g.
