More than a decade ago, we took out two mortgages. We used the full amount of both mortgages specifically for the purchase of our home, and received no money. However, several years later, we were able to refinance. We combined both mortgages into one, and received cash through the refi transaction.

Now TT is asking about the money we pulled out of the "home loan".  Is TT asking about the initial mortgages, or the refi?