Patricia,
Thank you for the response. I finally found the information I needed, which lines up with what you are saying. I have not yet been back into the program to follow the bouncing ball.
The information I found states that any remaining balance of points can be deducted fully in the year the original loan was paid off if the new loan was refinanced with a different lender. If you refinanced with the same lender, then the remaining points are amortized over the term of the new loan.
Dirk
