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Can I claim mortgage points?

Points are charges you pay (or charges treated as paid) as a borrower to obtain a home mortgage. They can also be called loan origination fees, maximum loan charges, loan discount or discount points.

If your home purchase meets certain criteria, you could be eligible to deduct your mortgage points, regardless of whether you or the seller paid them. Generally, you’ll have to deduct the points over the term of your mortgage, rather than fully in the year you (or the seller) paid them, because they are prepaid interest.

IRS Publication 936, Home Mortgage Interest Deduction provides more information about points, when you can and can’t deduct them, and how to deduct them.

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