It's January 2015 and, for Americans, the 2014 tax year has concluded. Within weeks, U.S. consumers will begin receiving such tax-related forms as the W-2, the 1099, and, for homeowners, the 1098, which is also known as the Mortgage Interest Statement. The U.S. tax code offers incentives to homeowners, and by taking advantage of these breaks, 1040-filing citizens can maximize their financial investment in homeownership. Whether a home is financed via a mortgage, or paid-in-full with cash, there are a multitude of tax-savings opportunities associated with owning a home -- even at current mortgage rates which are the lowest since May 2013. Of course, every homeowner's financial situation is different, so please consult with a tax professional regarding your individual tax liability.