You have to think about each mortgage individually.
Your first mortgage is the one that was on the house that you sold.
Did you pay points on that mortgage during 2019? If you did it should show on the 1098-INT form. In most cases, you either don't pay points on an existing loan, or you deducted them in the year the loan started. If that is the case, you choose, We've already deducted all the points we paid in 20XX, or we didn't pay any points.
Later, when you get to the second question, you answer that it is the original loan, unless you refinanced your old home during the time you owned it.
The second and third mortgages may have points paid, because both loans started in 2019. If you paid points on the first mortgage for your new home, it will show on the 1098-INT or your closing statement.
You should choose either, We paid points when we purchased or refinanced to improve our main home in 2019. or, We didn't pay points, depending on whether you paid points.
Later, when you get to the second question, you answer that it is the original loan.
The third mortgage should not have any points paid on it, but if it shows on your 1098-INT, go ahead and report that amount.
Later, when you get to the second question, you answer that it is the original loan. Even though it is a different mortgage lender, if you did not refinance the loan, to you it is still the original loan.
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