This is all because of the new tax reform rules regarding home equity interest and whether it's deductible.
If you refinanced and cashed out, you need to figure the percentage of interest based on the percentage of money used to used to buy, build or substantially improve your home. This is a new requirement for tax years 2018 through 2025.
So, if you refinanced for $250k and used $50k to pay off credit cards, you should only deduct 80% of your mortgage interest.
This is a long way of saying "yes" or "maybe" to your actual question, since I don't know exactly your mortgage scenario.
