"Origination date" to be used to report a refinanced mortgage

[Ariadne II]

Line 4 of a Home Mortgage Interest Worksheet of TurboTax asks for "the" Mortgage Origination Date.  The mortgage I'm reporting (#2) was a 2022 refinance of a mortgage (#1) used to buy the securing home, say, on 1/1/2009.  To apply the $1M (not $750K) limit allowed applied by TurboTax, it seems I should enter 1/1/2009 on Line 4.  Is this correct?

[DaveF1006]

No. The mortgage origination date is the date of the refinance date, not the original mortgage. The refinance is essentially a new mortgage loan thus the origination date is in 2022.

[zomboo]

@DaveF1006is correct but the program should ask you later to enter the date you bought the home with 'refinance lender name'. Here you enter the 2009 date. If you didn't do a cash out refinance, the $1M will still apply.