Deductions & credits

1. No, since you only have one form, it is just your mortgage - not a current refinance.

2. The year that you had 2 forms 1098, you had to let the program know that it was a refinance. 

3. The program is asking questions trying to figure out the correct amount to put on your Sch A. If you only have one form, it will go on Sch A , line 8 for the qualified homebuyer amount.

4. You can look at Sch A from prior years to determine that your mortgage interest was included on your return.

5. If your Sch A did not pick up the interest, you can amend. See How do I amend my federal tax return for a prior year?

If you took the standard deduction in any of these years, you did not itemize and would not have Sch A.

Reference: About Schedule A (Form 1040), Itemized Deductions - Internal Revenue Service