It depends. In this case, I would combine all three 1098's into one because:
- The IRS is not concerned about you changing lenders or who your lenders are. Basically you had your original loan and changed lenders.
- You basically have the same loan but different lenders. This all can be combined on one 1098. As long as the totals match and your loan balance is below $750K, you are reporting your information correctly.
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