I refinance my original mortgage in 2015 and payed points (amortized over 30 yr term) and then I refinanced again in 2020 (same lender). The 2020 refinance occurred on the last day of November. How do I account for the remaining points from my 2015 refinance with the 2020 refinance in turbotax? What do I enter for loan start date, length of loan, and dollar amount of points paid?