I filed my 2020 tax returns (both federal and state) and they were accepted. But I realized that I had forgotten that we did a cash out refi in 2020 (all the cash we got out went into repairing and improving our home). We got a letter from the IRS saying that they are reviewing our return and will let us know of any further activity. Do I need for file amended tax returns for 2020 before I hear back from the IRS about the refi?
