You only had a choice to deduct all the the origination fee on your 2022 tax return. Since you took the standard deduction for 2022, you have selected to amortize the fee over the life of the loan by default. The amortized amount will be subtracted from the total remaining points each year regardless if you itemized or not. Tell Turbo Tax you paid points and that you are spreading the points beginning in 2022 and Turbo Tax will calculate your deductible amount allowed in 2023.
