File IRS Form 1098 online

Form 1098 reports mortgage interest a taxpayer has paid during the tax year. This form is issued by lenders to the borrower and to the IRS. It provides details about interest paid, points paid, and other related information used to claim deductions on income tax returns.

Lenders are required to file Form 1098 with the IRS for each borrower who has paid mortgage interest during the tax year. This includes reporting on:

• Mortgage interest
• Points paid on purchase of principal residence
• Property taxes collected
• Private mortgage insurance (PMI) payments

Yes. You can e-file Form 1098 through the IRS website or by mail. You may also use Avalara 1099 & W-9 to streamline the e-filing process and help prevent costly errors.

• Send copies to recipients by January 31.
• E-file with the IRS by March 31.

When these dates fall on a weekend or holiday, the deadline shifts to the next business day.

It depends. Some states require you to file Form 1098 directly, especially if state income tax was withheld or if you’re not using the IRS Combined Federal/State Filing Program (CF/SF). Requirements, deadlines, and formats vary by state.