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I did a refi, and so I have two 1098s, but my new loan amount is NOT more than 375,000 (MFJ). So... what instructions do I follow? 

And, in the comment above which tells me to enter both 1098s but be sure to indicate the original loan is paid off, unfortunately TT won't let me enter $0 in the box for outstanding mortgage principal. Also, I do not get any question that asks me if the loan was paid off.