Mortgage Interest Deduction set to zero after refinancing two mortgages

[kwpps461]

I have two homes for personal use only (never rented) and through most of 2021 had a mortgage on each home. Interest on both loans were deductible. Near the end of 2021 I refinanced my primary home with a larger mortgage sufficient to pay off the mortgage on the second home. For 2022, TurboTax zeros out my interest deduction on the primary home because the amount financed has increased without making improvements to that home. How do I get TurboTax to properly include the interest deduction since the full amount would have been deductible had I kept two separate mortgages.? 

[MichaelG81]

Yes, if it was a cash-out refi or equity loan not used to improve your personal residence the amount can no longer be deductible, even if it was to pay off your second home. According to IRS, you must have used the extra equity or cash out to: buy or build a homestead or improve your existing homestead substantially to claim the tax deduction. Equity used to be deductible but tax laws changed in 2018.

@kwpps461