I took out a loan for home renovations. The loan consolidated our truck and home payment and tacked on payment for the loan amount. Is this a refinancing?

"personal life change" is not an income tax term  but the consolidation of the loans by refinancing the home mortgage to include a non deductible truck payment means you need to prorate the mortgage interest ... follow the screen instructions. 

Yes, you refinanced your mortgage. 

 

Critter-3 is correct.  For tax years 2018 through 2025, you can only deduct the interest from the amount of your loan that was used to buy, build, or improve the home that it’s secured if you itemize your deductions. 

• Since you used part of this loan to pay for things other than this home, you cannot deduct the interest from that amount of the loan.

For additional information please see Can I deduct my mortgage interest? and How does refinancing a home affect my taxes?

 

 

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