On the mortgage interest question...think of in terms of what information is actually passed to the IRS in the data file...for 1098's it is only the sum of all mortgage interest declared that is passed, not the lenders names or the individual entries if you have multiple loans..so combining them is fine, the IRS does not care. For limitations on deductible interest if you have a super-large mortgage, again the IRS does not care if you have a loan balance less than $750K....in fact, Turbotax gets really confused when you try and enter multiple loans that have been paid off, so again, a single entry solves the problem....for loans over $750K you have to actually go to the mortgage worksheets to see what you are eligible to deduct....might be worth getting extra help on that as it can be complicated.
