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Based on your description, the answer is generally yes — shifting a home equity loan to a reverse mortgage will usually constitute a refinance. This is since you are adding a new lien to the property (your old loan being paid off) essentially means refinancing.   Within that framework, the new lien is a reverse mortgage, and they operate a bit differently, relative to your mortgage loan. Instead of making payments every month, the reverse mortgage will pay you back using your equity in the property. This is outlined by the U.S. Department of Housing and Urban Development (HUD), in the section on Home Equity Conversion Mortgages - they talk specifically about the prior debts being paid off to setup the reverse mortgage.   To understand how a reverse mortgage fits the refinance definition you inquired about, the explanation on reverse mortgage's HECM refinance guide outlines the definition and benefits, including the if you qualify for a refinance under their switching lender rule exemptions for reverse mortgages.    So yes, while it is technically a refinance, the distinction from a non-reverse mortgage refinance is that you were not adjusting the terms of a fixed payment instead, you are converting your home equity into cash flow.

If you have not yet e-filed:   You have to go to Step 2 in the FILE section.   HOW TO CHANGE OR ENTER BANKING INFORMATION FOR REFUND https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/change-transferred-direct-deposit-information/L77NCbU6D_US_en_US?uid=m6tuh572     You cannot  change banking information while your return is in pending, nor can you change it after the return is accepted.  The IRS does not allow it.

Sorry--no.   The TurboTax experts do not provide help with past year tax returns.  They will only help with current year returns.   If you need help with past year returns, seek local paid help or other software if you are not able to use the TT desktop download software.

When you requested your extension you were supposed to pay your estimated tax due.  Did you enter the payment you made into your tax return?    Go to Federal>Deductions and Credits>Estimates and Other Taxes Paid>Other Income Taxes   

UT will tax only the income earned or sourced while you were a resident there. Since your stock sales happened after moving to TX, they won’t be subject to UT tax. TurboTax can handle this easily using part-year resident returns for both states.

@Mike9241 Thanks, Mike. I know the terms that I used every year. But for this time, I could not open some forms. So I have to find out another way.   For example, I need to adjust IT201 line 48. Then I need to open "NYC Household credit worksheet". But I cannot find the form out in the search bar.   How will you debug this problem usually?

desktop has two modes. interview where the app takes you step by step-by-step through the questions and asks for you to answer the questions or enter the number. the other mode is forms mode, but you have to use the proper form. for example, interest income must be entered through a 1099-INT form not directly on schedule B and not directly on form 1040 line 2,     you are apparently using forms mode and you are entering in the incorrect place which shows up as red or pink.    in forms mode you need to know the form name. to get to it type the form number like 1099-int in the search box.   it appears you are not familiar with forms mode you may want to delete that return and srtart over in interview mode. this is the only mode for online which I assume if you used online in the past you are familar with which would make it a better choice.   to get to step-mode click on the view tab and select step-by-step. or use "CTRL and 1 " at the same time