Devon is single. He took out a $$575,000$ mortgage to purchase a main home in March $2023.$ The home has a FMV of $$950,000,$ and the loan is secured by the home. In April $2023,$ Devon took out a home equity loan to renovate the home. He used the main home to secure the mortgage loan of $$175,000.$ Which of the following is correct?

a$)$ The mortgage interest for the renovations is not deductible because themain home cannot be used to secure the loan.

b$)$ Both mortgage loans are secured by the main home, and the total of both mortgages does not

exceed $$750,000.$ Therefore, all of the interest paid on both mortgages is deductible.

c$)$ The home equity mortgage loan interest is not deductible because the loan was not taken out at the same time as the purchase.

d$)$ The home equity loan is not deductible because Devon didn't wait at least six months before

securing the loan.