The bank is required to send you a 1098 if you paid more than $600 of interest. Are you sure they aren’t sending the form? Even if they don’t send the form, you are allowed to deduct any interest that you actually paid. You may have to go to the bank and get copies of your statements or a print out from your online account to prove how much interest you actually paid.
Also, only interest on acquisition debt is deductible. Interest on equity debt is no longer deductible. Acquisition debt is debt that was used to buy, build, or substantially renovate the home. Equity debt is money that was used for anything else. For example, if you refinance your home at some point and used 50% of the money to pay off the old mortgage and 50% to pay off other bills and take a vacation, then only 50% of your mortgage is acquisition debt and only 50% of the interest is deductible. TurboTax should help with these calculations.
Thank you!!! So that's what it said on the account page at the bank, or at least it implied as much. Either way, the info about the $600 minimum solves it, as we paid more than that. Thank you so much for your response.