You can enter mortgage interest in two ways, and there is a line in Turbotax and on IRS's Schedule A itemized deductions for both.
- Way 1: Enter it as mortgage interest on Form 1098
- Way 2: Enter it as mortgage interest not on Form 1098.
The IRS only addresses the first name and SSN listed on a Form 1098. If yours is the second name listed, enter it as mortgage interest not on Form 1098. That way, the IRS won't try to match it with a Form 1098 that doesn't list you as the first listed borrower.
