Mortgage Interest

I have a mortgage interest that since July 2007. I pay 2200 A month. Will I get a big return because of this?

You can deduct from your taxable income (if you detail the deductions, which it seems you should) all mortgage interest paid last year. It does not necessarily mean that you will get a large refund. That depends on several factors that are listed, but the more you can deduct the taxes you'll pay less and the more likely you have an overpayment (refund)

My friend

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And if this could be done with the current budget you are now?

Best of all, if you could access this equity at any time, without having to worry about refinancing your home ... If for some unforeseen circumstance you became unemployed?

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No, you can not get a big return only because of the amount of your mortgage interest. you file a Schedule A with your 1040 and deduct the interest. all it will do is lower your income which will reduce the amount of tax you owe. The amount you pay will determine the amount of reimbursement.