Missing 1098

[user17754881886]

I paid off mortgage Feb 2025 and the lender deactivated my account, although I can login to their portal and see my 2024 1098 form. But they didn't generate 1098 for 2025. I have tried their chat and phone support, and they acknowledged it and told me to email them a request which I did. I haven't heard back. I also logged into IRS site and checked if they received the form from this lender, and they didn't have any.

Is there a way to deduct the interest in this situation? If yes, how do I go about doing so in turbotax?

[LindaS5247]

You can deduct the mortgage interest paid in February 2025 even if you did not receive a Form 1098, as long as you have documentation showing the interest amount.

To do this, you can:

1. Click on the Search icon at the top right of your TurboTax screen
2. Type 1098 in the search box
3. Click on the link Jump to 1098
4. Your screen will say Did you pay any home loans in 2025? Answer Yes
5. Your screen will say Who's your mortgage lender? Enter it and Continue
6. Your screen will ask Do any uncommon situations apply? Check the box The seller is financing this loan and I did not receive a 1098 and Continue
7. On the screen that says Let's get some info about XXXX now, enter the details and Continue
8. Your next screen says Let's get the rest of your mortgage info, answer and Continue
9. On the screen that says Is this loan secured by a property you own? Answer and Continue
10. On the screen that says What kind of property is this loan for? Answer and Continue
11. Continue through the rest of your TurboTax screens and answer all follow-up questions

See also:

Where do I enter my 1098 mortgage interest statement?

Publication 936, Home Mortgage Interest Deduction

Please return to Community if you have any additional information or questions and we would be happy to help.