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I refinance my house in 2013, I understand I can write off entire points/orig. fee balance from original loan (2004) that was being ammor. over 15 years?

I refinance my house in 2013, I understand I can write off entire points/orig. fee balance from original loan (2004) that had been being ammor. over 15 years. I started the ammor. tax deduction in 2004 and claimed the usual aount through 2006, but then stopped for some reason (probably just forgot about it).......the question is, the balance I'm claiming for deduction from 2006, or is it from 2013 what it would have been if I had kept up with the usual ammor. scheduled deduction from 2007 up until 2013?
The second question is, I refinaced in early Dec/2013, so my first payment was not until Feb/ the points/orig. fee paid on the new refinance loan, the ammor. schedule deduction would start in 2013 tax return or not until 2014 tax return since that was my first mortage payment?
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Kathryn Morgan
You can claim the remaining unused points for the original loan on the 2013 return but only to the amount you would have left if you had taken them all the prior years. You are also correct on taking the new points as amortized starting when you made the first payment.
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