It would help if you could deduct like it was pre change where no matter the interest you paid it was deductible.It is now by law you have to pay at least $4000 a year that means if your home is a moderate one and under $50K you can not take the deduction.
I’m going to have to check on that minimum amount. I just read all I could quickly find on the IRS website and I don’t see any mention of a minimum amount of int. required to take the deduction. They even give an example of people who paid under $2k in interest.
Now this all applies to a straight home mtg, not a home equity credit line or anything like that.
Btw, are you in an alternative minimum tax (AMT) situation? That might change things also.