@ebarwick1
If you can’t prove you paid points, then just report zero points. You can’t deduct points if you can’t prove you paid them.
The length of the loan only affects the points calculation, so whatever you put here will not change your tax return.
I think this is unlikely to be a deductible mortgage in any case. If you are audited, and can’t find the contract and other important paperwork, you will lose the deduction.
