When I refinanced 10 years ago, TurboTax did not allow to deduct the whole points and expense amount. I was instructed to deduct it over the life of the loan. I refinanced with a new lender with an origination date of 1/20/2021. I imported my last year information, but I deleted the old bank/loan information because there were no payments made nor interest accrued on that loan for 2021. What is left is 2/3 of the points cost from loan from 10 years ago.
