Yes, the bank is not required to send Form 1098 if the interest is below the threshold to report the amount.
You are still able to deduct the mortgage interest that you paid even without Form 1098.
You can deduct the mortgage on your main home or one second home if the debt is secured by the home. Follow these steps:
- Go to federal deductions and credits
- Select Mortgage Interest
- Enter the name of the lender
- Select Property type
- Do any of these situations apply? Select none of the above
- Enter USD for mortgage information, continue
- Secured by property? select,
- continue answering questions.
At no point do you need SSN or federal ID. When you return to the summary screen, it will show your bank and the interest.
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