I'm working on filling out my U.S. income tax forms, and am confused by the mortgage interest credit. It seems more complicated than I remember it being last year (perhaps because it is? Or maybe my memory is just failing).
I see that I can fill out Form 8396 to deduct mortgage interest with a standard deduction, but this requires
a qualified Mortgage Credit Certificate (MCC) [issued] by a state or local governmental unit or agency under a qualified mortgage credit certificate program.
My state of Kansas appears not to have such a program. Does this mean my only option for deducting mortgage interest is to do an itemized deduction?