Get your taxes done using TurboTax

if you paid points on the refi in 2020 that you are amortizing, just because the loan was sold to a new lender does not allow you to write off those points. you would have to refi again to do so.  in Turbotax you would have to amortize with the original lender for the period until the loan was sold. the remaining unamortized portion would transfer to the new lender/mortgage and be amortized over the remaining term.