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Deductions & credits
For Lender A, add the interest together, use the beginning balance for the first (older) 1098 and the ending balance from the second (newer) 1098.
1. YES
2. NO
Next enter the third (but you'll only enter 2 total)
1.NO
2.YES
If you want to enter all three,
Yes, No
YES YES
No, Yes
You have to indicate that the first AND second were sold or refinanced or the program will add the loan balance and make your mortgage balance higher than it was. That could limit the interest.
I would combine the two from the same lender since it was just a few day to make it easier so the balances (on those two 1098 forms) are only entered once and the program won't add them together. You should do what's easiest for you. The result will be the same. If you paid points on the second 1098 from Lender A, you could enter that amount on Box 6 of the last 1098. Points on a refinance are pro-rated over the life of the loan.
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