What if the second mortgage 1098 was not provided by the company?

[neffencinas]

I've attempted finding it online, but it isn't there, just the 1098's dating back many years.  None for this year!  I tried calling, they don't even answer with a human any more.

[Cynthiad66]

Your online account will be the answer.  Review the prior years payments where they breakdown each payment by month.  They will show how each payment was applied and you can see each months interest payment there.  Or if you have your last mortgage statement for the year.

If you have no information you can use last years information if the payments were the same but you will have paid more interest for 2019 than you paid in 2020.  If you missed a mortgage payment, they would contact you immediately.  This is strange because Mortgage companies are usually very hands on.

The IRS lets you deduct your mortgage interest, but only if you itemize deductions. You can't deduct the principal (the borrowed money you're paying back).

More Details:

Can I deduct My Mortgage Interest

[neffencinas]

Thank you,  that's what I did.  I just hope it matches whatever they submit.  It's a small amount (<$300) since it is now paid off.