comment to sg_313, I have done exactly as you already by putting remaining amount from original lender as 0 . difference is . you mentioned you paid point and started your loan in 2018. rest of us . did not . our loans are many many years older and still the original loan i had no points on my loan and others if they had point's likely paid on them years ago so your answer does not apply to the majority of us that answered ."I've already deducted all the points I paid in 2005 or I didn't pay any points." (or whatever year your loan origination date was that appears on Both 1098s). If both 1098s show same loan origination date . you did not refinance or change terms, your loan was merely sold to a new lender. if your loan origination date is different between the two 1098s, you did. this question chain is for people who have the same loan origination date on both 1098s and purchased before the year 2018 and hav selected no points or already deducted points. there is a flaw in the software for these cases
