If a mortgage loan is refinanced with the same lender, any remaining points must be added to the points on the new loan, then divided by the loan term to determine the monthly amount you can deduct. If there is a full year of mortgage payments then it would be 12 months deduction as points. For the first year it would be the number of months remaining in the year beginning with the first month payments begin and ending in December of that year.
You should add the points together that remain from the old loan with the points paid in 2022 for the same lender. When you reach the screen asking for information about the points enter the mortgage starting date and the total points paid (and remaining from loan one), include the term of the loan. This should provide the desired result once you complete this section for both 1098s.
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