@HeatherPLO this help article does not address the scenario I raised. Two houses, with different mortgage origination dates, one being in 2020. The straight addition of balances greatly reduces the mortgage interest deduction. The IRS-allowed interest averaging, which I described in the post earlier in this thread, results in full deductibility of interest (in the circumstances mentioned). TT has not addressed anything other than the refi issue, and I’m really not confident the work around there is sufficient.
