Yes, I would combine the two 1098's and list the most current balance as the loan balance. State that this is a refinance and see if it asks the information for the points. The reason I say this is that the points needs to be amortized over the life of the loan instead of being deducted all at once as required for refinance mortgages. List the lenders name that on the refinanced 1098 and make sure to list the loan origination date as the date that is listed on the refinanced 1098.
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