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Hi and welcome to our site!We need to understand why the IRS issued the letter - because you deducted mortgage interest - and there is no mortgage interest reported under your SSN. The IRS always performs cross reference verification - and issues letters. You can deduct home mortgage interest if all the following conditions are met.--You file Form 1040 and itemize deductions on Schedule A (Form 1040).--The mortgage is a secured debt on a qualified home in which you have an ownership interest.
I do not have ownership in the property except for the fact that I have been paying the mortgage on it for several years. If I don't have the interest under my SSN and my name is XXXXX XXXXX the mortgage do I owe them the money?
A secured debt is one in which you sign an instrument (such as a mortgage, deed of trust, or land contract) that:--Makes your ownership in a qualified home security for payment of the debt, --Provides, in case of default, that your home could satisfy the debt, and--Is recorded or is otherwise perfected under any state or local law that applies.In other words, your mortgage is a secured debt if you put your home up as collateral to protect the interests of the lender. If you cannot pay the debt, your home can then serve as payment to the lender to satisfy (pay) the debt. In this publication, mortgage will refer to secured debt.So - when you reply to the IRS - you need to attach supporting documents that you made mortgage payments and that you own the property for which mortgage is paid.
I don't own the property so do I owe them the money
If you do not own the property - mortgage interest may not be deducted. Such deduction is only allowed to owners.
Sorry if you expected differently.