We are having the similar issue.
Bought the home with loan before 2017 and the loan is above 1m. We have refinance usually everyone, and it worked well in previous years' filing with Turbotax.
This year, we had 36K internet, remaining loan balance 1.15M, had a refinance in 2019, so the mortgage origination date says Oct 2019.
We are supposed to be able to deduct 36K / 1.15M * 1M = 31.3K interest, but TT keeps saying we can only deduct 23.5K interest (which is 36K / 1.15M * 750K). We are clearly grandfathering the 1M interest cap, but there is no way to tell TT such info, and I think TT only uses the mortgage origination date to determine if I am qualified for 1M cap or 750K cap.
Another issue is that, we have a second home that we bought in 2020 with only ~5K interest, and when we add this 1098 form to TT, TT will completely mess up, and tells me I should use standard deduction. We ended up having to remove the second 1098, though it still does not resolve the first issue.
