No. of Recommendations: 0

You wrote, I would have filed already but I am still missing a 1098 mortgage interest form for a HELOC that will mean more than $200 in additional monies refunded to me, so I will be darned if I file without that form! I called Beneficial (who is a company that is anything but!) and they said that it was mailed out, but I should call back in a few days if I don't get it. Grumblegrumble.

If you know the numbers, you don't actually have to wait for the 1098. You only need them for your records since you don't file a copy with the IRS. In fact, if the lender has the information online, a printout of that web page is probably enough proof for an audit. Heck, even your own hand-written record should be enough to require the auditor to research your claim. Real problems only arise when what you claim don't substantially match the IRS's records.

If you're expecting a return and you can get reliable information and you already have all the documents you need in-hand to submit the filing by mail, I'd just go ahead and file it and not worry about when the correction arrives...

- Joel
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