"If loan just changed servicer then box 11 on the 1098 should have a date in it."
You are correct, the final 1098 with the most recent bank which I now pay my mortgage to, had a date in box 11. So this is not a refi. After entering in the order you specified and entering this final entry as not a re-fi, Turbotax has taken all details with no issues. This makes more sense now. Thank you very much!
