Refi points-- what is a new lender?

[DonB]

Client refi'ed with company A who then transferred the loan to company B. Four years later client again refi's with company A who again transfers loan to company B. I may be grasping at straws, but is being with B in 2014 and refi'ing with A going to a new lender? Or, is it the original lender that counts?

[Kram BergGold]

Be Real

I don't know the answer for sure but his mortgage went from A to B. Then he refinanced and it went from A to B. Sounds like the same to me. I vote for deducting any remaining points from the first loan (if any) and amortizing the new points.