TT Home and Business asks under 1098 entry whether this loan was a refinance and if there was cash out. If you say yes to refi and no to cash out, the program never asks for the original loan date -- it asks what date this loan was used to purchase home (not what the original loan date was). If you use the refi date from 2020, it bases the interest deduction on the 750k interest threshold rather than the original loan date threshhold of 2014 -- which was interest on loans up to $1m. If you use the original loan date in place of the refi date (in this case 2014 versus 2020), the program zeros out the interest deduction completely -- both in the program and on Schedule A. I spent 2 hours on the phone trying to get help and after they opened a case, I got an email saying there wasn't enough information in the case to address the problem. So infuriating! Really poor customer service for a real software problem...
