How else do you want me to ask this question? I said I don't understand this question about using part of the loan on things other than the house I refinanced in 2013.

You can't deduct all of the interest from a home equity loan (HELOC) if you used part of those proceeds to pay off a credit card, buy a boat, etc.  For example, you borrow $20,000 against your home equity.  $10,000 was used for home improvements.  $5,000 was used to pay off a credit card and the other $5,000 to buy a boat.

Only the interest you paid on that first $10,000 is deductible.

Please comment below if you have additional questions.

https://ttlc.intuit.com/replies/5759569