Thank you for your feed back, but a refinance is a refinance is a refiance regardless of changing lenders or not. There is not different rules for different lender types. I strongly recommend not comingling or lumping figures from one source in with another because if you have to ever have to go back and amend or figure out what went wrong, you have muddled the waters and made things more difficult especially if you can't find documents or it's years later. Keep things clean and traceable you will know what I mean if you had any accounting background. 1098 is not just sent to the individual it is also sent to IRS by mandate. Just like your your income is, 1099's etc.
