Thomaselliottusa,
If you are sure that you are going to get a refund, just sit back and wait for the 1098 form to arrive. There is no penalty for filing for a refund after April 18th. If not, then put in last year's figure to see if you are well into refund territory. If so, just wait. If not, then file an extension form(s) with at least a token payment, say, perhaps, $100, so that the IRS (and state if you have state income tax) does not deem you of not having filed on time if you end up owing.