points deduction

[lehart306]

I have had a mortgage since 2015.  I failed to claim a deduction for points because I did not realize that points could be called "origination charges", or something similar.  Now my question is can i start deducting the origination charges now, three years later.  If so can I claim all since 2015, or can I claim just for 2019.

[Critter · Accepted solution]

Points are claimed only  the year they are paid ... it is now too late to go back and amend a 2015 return.

[lehart306]

I was afraid of that.  Thanks.

[Anonymous]

should you refi, points on a refi must be amortized over the life of the loan.