Flagged for "duplicate" 1098 forms

[megestrain]

My spouse and I bought a house this year. Our loan was sold twice, so we have three total 1098 forms from 2025. Following instructions from a previous post and this article, I input the information for all three, in chronological order (starting with the original lender's 1098 form), and ensuring that the current lender's 1098 is the "most recent." I was charged for Premium BEFORE being able to e-file, then this issue came up. I need help ASAP to e-file. Screenshot of the issue that was flagged is below.

1. I'm noticing that the interest amounts paid to two of the servicers are very similar amounts. This is not a mistake; we paid interest for two months to the first one (United), two months to the second one (Mr Cooper), three months for the third one (Crosscountry mortgage). So the 2-month ones are very similar interest amounts. Could that be the problem?
2. Is the problem that the mortgage origination date is the same? Those are the dates that appeared on each form.
3. We did pay for points on the original loan. Do we need to say "we paid for points" on all three of the 1098 forms?
4. Just confirming that a loan being sold is not the same as "refinancing" for TurboTax?

[DavidD66]

It looks like they are being flagged for duplicates due to having the same mortgage origination date.  I recreated the situation and got the same thing.  I tried indicating the second two were refi loans, that didn't help.  The I changed the mortgage origination date on the second two to 05/03/2025 and 05/04/2025.  That worked.  I recommend you change two of the three mortgage origination dates.  It won't cause any problems with tax return.  That date is not reported to the IRS, but used by the program in calculations in certain situations. 

[megestrain]

@DavidD66 Thanks!Though it feels very weird to put different dates in (Is this a bug?), that seemed to work! I'll hold you to it that it doesn't matter to the IRS. 🙂 I'd gladly take a partial refund for finding the bug (kidding not kidding) 😄