I refinanced my mortgage, and I have points that I paid. I understand I will deduct those over the life of the loan.
My loan had a closing date of 12/28/2020 and disbursement date of 12/31/2020. HOWEVER, the mortgage for the new loan didn't provide funds on 12/31 to the settlement company - but instead provides them on 1/4/2021 (due to the holidays/weekend)
So the question is, can I deduct the points starting with my 2020 taxes (as that is when the closing date occurred and the disbursement date was supposed to occur) - or do I have to wait until 2021 taxes since the loan technically wasn't funded until then.
