Carl
Level 15

Deductions & credits

You should combine all of the 1098s directly related to the refinance and enter it as one 1098.

Don't do this. Not enough information was provided to just make this blanket statement.

Won't work out right if the refi was with a different lender. Even if with the same lender, you have different loan origination dates, and for all we know there may have been a cash out which makes the amount reported in box 2 of each 1098, different. Additionally, the cash out amount if not used to "buy, build or improve" the property reduces the amount of interest that can be claimed/deducted on the refi loan.