If this is the 1098 for the new loan with the cash out, you should answer Yes to "Did you use your loan for anything besides paying off the existing loan?" On the next screen with "Have you used the money from this loan exclusively on this home?" Answer No. Your answers to the remaining questions will depend upon whether or not you did the refi in 2024 and whether or not this it is for the loan you paid off or the new refi cash out loan.