The W-2 form only shows money that was PAID in 2024. If you earned money in 2024, but it was not paid until 2025, that will be reported on your 2025 W-2.
HiI am in the same situation. I did an IRRL refinance in 2019 and that loan was then sold back to my original loan holder. This gave me 3 1098s as well. My orig...
