As long as the entire portion of the refinance was used to buy, build or substantially improve the home the loan is secured by you can include all of the mortgage interest.
You would answer Yes, you refinanced and yes It is a mortgage loan that you've refinanced.
Then you will need to answer Yes or no to whether or not you ever pulled cash out.
If you never pulled cash out or used a portion of the loan to consolidate debt or for other purposes, then select No.
If you have, it will continue on and then ask you what portion of the loan was used to buy build or substantially improve the home as only the interest on that portion is deductible. You will have to figure that out.
For example, when you refinanced your home in 2015, you had a balance on your mortgage of $225,000 and took out $75,000 to pay off debt. Your current balance is $300,000. The interest on the $225,000 is deductible, the interest on the $75,000 is not deductible. This would represent 75% of your loan balance.
If your current balance is now $280,000, 75% of that would be the portion used to buy, build or substantially improve your home. So you would enter $210,000 (280,000 x 75%) as the amount when asked " since you first took out this loan, how much has been spent to buy, improve or built the home it's secured by"
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