Can I deduct (Points) to Lender totaling $6,697.50 if they later sold my loan and the 1098 with the new holder says $0 in points paid?

[MindyB]

Yes, you can still deduct those points. It is  common for a loan to be sold after closing, and the new lender’s Form 1098 usually won't show the points paid to the original lender.

You can enter this manually in the 1098 Section (Deductions & Credits > Deductions & Credits Summary > Your Home > Mortgage Interest Form 1098). After you enter the 1098 info, continue through the interview. You will be asked if you paid points, answer that you did, and then you can indicate that the points only appear on your Closing Disclosure or HUD-1.

If you need extra time, filing an extension by April 15, 2026, moves your submission deadline to October 15. But remember any taxes owed are still due in full by the original April 15 date.