To avoid waiting to file you should combine the two Form 1098s directly related to the refinance and enter them as one Form 1098 because TurboTax is adding your mortgage balances together and triggering the interest deduction limitation. You can do this when the loan amount has always been less than the threshold.
So, in your situation, you should enter the Form 1098 from the original lender on its own. Then, add the details from the second lender and the new lender together and report the totals as the information for the Form 1098 for the new lender.
For more information, including how to handle points, please take a look at What do I do if I have multiple 1098s from refinancing my home debt?
[Edited 02/19/2022| 12:31 PM PST]
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