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Thank you for your response to this question - I have one more question - We refinanced our original mortgage in 2020 with the same lender. So, I have a 1098 from the original loan and a 1098 from the refinanced loan both from the same lender.  I entered by 1098 from the original loan first.  When it asks me "Was this loan paid off or refinanced with a different lender in 2020?" should I answer Yes or No?  In our refinance we did get cash out that was not used for home improvements.  Thank you.