I have no excuse for this one: Digging around I found my 2010 1098--the one I supposedly did not receive...... My best guess here is that I may have completed my taxes before this form arrived and when it finally did a arrive, and with a value higher then I had put, I decided to just roll with it at the time (and also at the time did not know that my first payment of 2011 had posted early and would not be counted toward 2011 interest).

The 2010 1098 reflects $1355.75 in interest paid (I had estimated $1300).

I don't have a break down of the amount, but I closed on my loan on 11/17/2010. That number looks very much like about 1-1/2 months worth of interest at my rate of about $925/mo in interest at the time, which would mean it's for the half November and full December of 2010.

So somehow that first payment of 2011 seems to be "lost"? ... it apparently wasn't included in the 2010 1098 and definitely wasn't included in the 2011 1098.

I may just let this one go unless you folks have any advice.