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My spouse and I bought a house this year. Our loan was sold twice, so we have three total 1098 forms from 2025. Following instructions from a previous post and this article, I input the information for all three, in chronological order (starting with the original lender's 1098 form), and ensuring that the current lender's 1098 is the "most recent." I was charged for Premium BEFORE being able to e-file, then this issue came up. I need help ASAP to e-file. Screenshot of the issue that was flagged is below. I'm noticing that the interest amounts paid to two of the servicers are very similar amounts. This is not a mistake; we paid interest for two months to the first one (United), two months to the second one (Mr Cooper), three months for the third one (Crosscountry mortgage). So the 2-month ones are very similar interest amounts. Could that be the problem? Is the problem that the mortgage origination date is the same? Those are the dates that appeared on each form. We did pay for points on the original loan. Do we need to say "we paid for points" on all three of the 1098 forms? Just confirming that a loan being sold is not the same as "refinancing" for TurboTax?

Do I need to correct my 1099-R from the bank? 1. Contributed into Traditional IRA: $7000 2. Conversion From Traditional IRA to Roth IRA: $2000 3. Realized that I have started 401(K) via employer in 2025. Now the IRA contribution in IRA going to be non-deductible.  4. Requested bank to distribute $5000 via a form but bank distributed $4,532.18 5. Recently received two 1099-R from the bank:       a. 1099-R for $4,532.18 with distribution code 1,8          b. 1099-R for $2000 with distribution code 2   Now, my concern is Distribution code "8 "in 1099-R for $4,532.18. The code 8 is for "excess contribution" but as per my understanding in my case it was never excess contribution. I simply contributed $7000 limit and did early distribution.   Should I contact the bank for correction or simply file the tax return based on current 1099-R?

Here is my scenario in 2025. I am in mid 40's   1. Contributed into Traditional IRA: $7000 2. Conversion From Traditional IRA to Roth IRA: $2000 3. Realized that I have started 401(K) via employer in 2025. Now the IRA contribution in 2025 going to be non-deductible.  4. Requested bank to distribute $5000 via a form but bank distributed $4,532.18 5. Recently received two 1099-R from the bank:        a. 1099-R for $4,532.18 with distribution code 1,8          b. 1099-R for $2000 with distribution code 2   Now, my concern is Distribution code "8 "in 1099-R for $4,532.18. The code 8 is for "excess contribution" but as per my understanding in my case it was never excess contribution. I simply contributed $7000 limit and did early distribution.   Should I contact the bank for correction or simply file the tax return based on current 1099-R?