@lchan
Unfortunately, that still doesn't seem to be an ideal solution, if you paid points. If the loan registers as an active loan, it'll force you to pro-rate your points over the life of the loan. For a re-finance, you can deduct all of the points you pay if the loan was paid off. At least, that is my understanding of how points work.
And moreover, if you have multiple refinances, who do you put in as the lender, if you did it with multiple companies?
