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Thank you for your encouragement.  I had two 1098INT forms from the same lender last year. The Old loan used prior to 2021 had no points in box 6. The new loan (refinanced) aquired1-25-21 had points. (I saw those on the wonderful worksheet). So, I am hoping that - If I understand- this year since there are no points in box 6 and it is an old loan, I choose I have no points for this loan? because it is not a new loan and TurboTax will work in the background using last year's data?

Or do I select to spread them and use the same points I put in last year?