Were you able to claim the Mortgage Interest as an Itemized Deduction in 2021 and 2022? Is it the same mortgage lender issuing the Form 1098?
If you're using TurboTax Desktop, check the Home Mortgage Interest Worksheet in FORMS. What is the Mortgage Origination Date on Line 4?
Since this was a refinance of your original loan, make sure the 'Refinanced' box is not checked on Line 9 for this loan.
If there are no Errors on this form, your 22K Mortgage Interest should show on Schedule A, Line 8a.
In TurboTax Online, you will not be able to view the worksheet until you have paid, but you can try deleting Form 1098 from your return, close TurboTax, clear your Cache and Cookies, and step through the Mortgage Interest interview again.
It sounds like your Mortgage Interest should not be limited, but since we can't see your return in this forum, it may be a checkmark or date in the wrong place in the 1098 entry that is causing the limitation.
Here's more info on Deducting Mortgage Interest and How to Switch from Standard to Itemized Deductions (or vice versa).
@krisbhandare
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