I refinance in 2012 and have been taking an itemized deduction each year for the mortgage points paid (spread over the 15 year term of the mortgage, ends in 2027). I will be taking the standard deduction on my tax return for 2018 since that is more beneficial for me this year than itemizing deductions. If it is better for me in a future year or years, can I still take an itemized deduction for the mortgage points? And would it still be equal to 1/15 of the points paid?