topic If I refinanced my home for a lower interest rate in 2019 do I still keep checking that it's a refinance from a previous loan? We did not take any money out. in Deductions & credits

If I refinanced my home for a lower interest rate in 2019 do I still keep checking that it's a refinance from a previous loan? We did not take any money out.

natemoreau — Mon, 23 Feb 2026 10:33:58 GMT

Re: If I refinanced my home for a lower interest rate in 2019 do I still keep checking that it's a refinance from a previous loan? We did not take any money out.

Bsch4477 — Sat, 21 Jan 2023 19:42:15 GMT

You refinanced. Doesn’t matter if you didn’t take any money out.

Re: If I refinanced my home for a lower interest rate in 2019 do I still keep checking that it's a refinance from a previous loan? We did not take any money out.

Carl — Sat, 21 Jan 2023 19:48:50 GMT

Do I still keep checking that it's a refinance from a previous loan?

No. You only do that for the tax year the refi occurs, so the program doesn't double-count your mortgage interest payments to each lender and apply the $750K limit if adding both mortgage balances would result in exceeding that.