My wife has the mortgage on the house and it is in her name should we file separately ?

[JulieCo · Accepted solution]

It depends, but you do not have to file separately.  Being married, your options are to file jointly or separately and the mortgage interest information can be recorded on the joint return or your wife's separate return.

Generally,  filing jointly will give you a bigger refund or less taxes due. When you file separately, your tax rate is higher and you won't be able to claim certain deductions or credits that you may be eligible for when filing jointly.

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