I understand the difference. It's the reason I left Jersey to Florida 13 years ago. Moved to Delaware to get closer to the kids and grandkids but never expected...
For some reason, the selection that you described did not appear in the steps. I deleted the lender, started over and the step you described now appeared to inc...
In the current version of TurboTax, there are only two choices: 1) I am spreading the points over the life of my loan (amortizing) or 2) I have no points to ded...