In 2017 I took out a mortgage for $900K. In 2019 I refinanced it, taking no cash out. I have read on many many websites that I get to keep my existing mortgage limit from 2017, not the new $750,000 limit.
https://www.bnncpa.com/resources/mortgage-interest-whats-deductible-now-and-should-i-refinance/
https://www.thebalance.com/mortgage-refinancing-tax-deductions-1799218
https://www.hsh.com/refinance/how-does-a-refinance-affect-your-taxes.html
https://www.marketwatch.com/story/did-you-refinance-your-home-mortgage-last-year-you-can-still-quali...
https://www.nolo.com/legal-updates/new-tax-law-caps-limit-on-home-mortgage-debt-deduction-at-750-000...
Not a single one of those sites points me at anything from the IRS which agrees with them. Nothing in my 1098 mentions that it's a refi from a 2017 mortgage. I've read the IRS publications, but all I can find is that pre-1987 debt is grandfathered. Could someone point me to something "official" from the IRS which confirms that I can fully deduct interest on my 2019 refi?
Thanks,
-- Ethan
