If you paid interest in 2022, and you know how much interest you paid, you can deduct it even if you don't get a 1098. If you paid no interest because things are in limbo, you don't have anything to deduct.
Points on the 2007 refinance should have been spread out over the life of the loan. For a 30 year loan, that would presumably mean you could deduct 1/30th of the points in 2022, even if you didn't make other payments this year. However, if you can't prove you paid points in 2007, you would lose the deduction if audited.
If you refinance with a new lender, you can deduct the remaining 2007 points in the year you refinance. However, you again have the problem of not being able to prove the points. Also, a loan being sold to a new servicing company is not the same as refinancing, so you probably can't deduct any remaining points even if you could prove what they were.
