It is asking if "whatever loan" you have now has EVER been refinanced.
The reason for this question is because if you took any money out for anything other than to buy, build or substantially improve the home which the loan is secured by, the interest on that part of the loan is not deductible.
Ex. If you refinanced your loan in 2022 with a balance of $200,000 and took out $50,000 extra to buy a truck for a total loan amount of $250,000, only the interest on the first $200,000 would be deductible. So you will need to note this every year that you are itemizing since you can only deduct the interest on the house part.
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