I'm confused by the question asking if the 1098 I'm working on now is the most recent for my loan. At first I thought I had to check "no" because I have two 1098's, and the 1098 pertaining to the HELOC was established in 2022. But I now feel I should check "yes," the 1098 from 2013 is the most recent because it seems like the question is about refinancing. 2013 was the last time I refinanced to a lower interest rate. When I established a HELOC, nothing changed with my main mortgage -same interest rate, same maturity date. The Home Mortgage Limitation Smart Worksheet then further confuses me with questions like "loan refinanced in 2022 with a new 1098, was this loan the result of refinancing a previous loan, was cash taken out as part of this refinance, etc." I did not refinance my home in 2022. This implies I did.
