Ok, if I did not claim any points from Oct 2009 till March 2016 on a previous refi in (2009) with a different lender; and after I figure the number of months of that loan, 30 years or (360 months). So, what I think you stated is ----- starting on Oct 2009 till Dec 2015 (75 months), I'm not able to claim the points? But any remaining points (285 months), can be included on my (2016) return, because I used a different lender for this second (2nd) refi. My current loan is 15 years or (180 months). I can start claiming each year a max of 12 months, of course starting March 2016 for my current refi.
Do I need to separate the amounts? How do I show the points for the 2009 refi different from the 2016 refi?
Thank you for your assistance
