@jyee315
(a) what do you mean by "US-Resident" -- are you saying you are US person ( citizen/GreenCard/Resident for Tax purposes ) or that you are NRA in the US not having met the SPT yet?
(b) If I assume that you are US person with US Tax-home, and your spouse ( Canadian citizen ?) lives with you , then , absent any legal documents/ agreements otherwise, marital prop may come under State laws -- marital ownership of assets.
(c) In general, when filing jointly, as long as one of you are liable for the debt, interest paid is deductible under the home/second-home grouping , if you take itemized deduction.
Since you are filing MFJ, I am assuming that your spouse has a TIN ( SSN or ITIN )--yes ?
Does this help or am I in the left field ? Is there more I can do for you ?
