I understand your response, but I believe I may not have been clear in that loan was paid off by second bank to original bank where points and origination fees were gleaned They sold to second bank where I incurred no points or origination fees. So isn't original loan considered paid off to original bank and therefore life of loan ended and therefore total can be taken and not have to amortize since life of original loan ended. If I am wrong, please show me in pub 936 where you are obtaining your info. I understand it is second home, but the issue is whether the fees need to be amortized over life of new bank loan when there were no fees incurred.
