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IRS FORMS
IRS Forms
eFile Form 1098 Online
eFileMyForms makes it easy for mortgage lenders and finacial institutions to print, mail, and eFile Form 1098 online.
What is Form 1098?
Form 1098 (Mortgage Interest Statement) reports mortgage interest of $600 or more received from individuals during the year. If you’re a mortgage lender, provide seller financing on real estate, or hold a private mortgage secured by real property, you must file Form 1098 to report the interest you received.
What Form 1098 Reports:
- Mortgage interest received – Interest of $600 or more paid by borrower
- Outstanding mortgage principal – Balance at beginning or end of year
- Mortgage origination date – When loan originated
- Mortgage points paid – Points paid at origination
- Mortgage insurance premiums – PMI or MIP paid by borrower
- Property address – Address of secured property
1098 IRS Deadlines
The deadline for filing Form 1098 with the IRS is typically March 31st.
Recipient Copies: January 31st
Note: If January 31st falls on a weekend, the due date will be the next business day. Exact deadlines for each year can be found on the IRS website.
Information Needed to File Form 1098
The following information is required to file Form 1098 online:
Borrower (Payer) Details
Legal name, mailing address, and taxpayer identification number (TIN).
Lender (Recipient) Details
Name, address, TIN, and the associated loan or account number.
Mortgage Payment and Interest Details
This section may report:
- Interest payments received from the borrower
- The remaining mortgage principal balance for the tax year
- Any interest amounts refunded to the borrower
- Mortgage insurance premiums paid during the year
- Points paid in connection with the purchase of the borrower’s primary residence
Property Information
The address or a description of the property used as collateral for the mortgage.
How to File Form 1098 Online with eFile My Forms
Filing your 1098 forms online is faster, more accurate, and more affordable than traditional paper filing. Our streamlined process takes just minutes:
Step 1: Enter Payee and Payer Details
Choose the method that works best for your business:
- Manual entry: Perfect for businesses filing 1-10 forms
- Excel/CSV upload: Bulk import for 10-100 forms using our template
Step 2: Enter Form 1098 Information
Complete all required information for Form 1098 and put in total amounts for each box.
Step 3: Review and Validate
Our system automatically checks for common errors including:
- Missing or invalid TIN numbers
- Incorrect name/TIN combinations
- Address formatting issues
- Missing required information
Step 4: Submit and Deliver
Once you approve your forms:
- We e-file directly with the IRS (same business day for submissions before 5 PM ET)
- Recipient copies are printed and mailed via USPS
- You receive confirmation of IRS acceptance
- All forms stored securely for 3+ years
Frequently Asked Questions to IRS Form 1098
Who Must File Form 1098?
You are required to file Form 1098 if you fall into one of the following groups:
Businesses or lenders that received $600 or more in mortgage interest from an individual
Government entities that collect mortgage interest payments meeting the $600 threshold
Cooperative housing corporations reporting mortgage interest
Other applicable filers, including:
Collection agents
Foreign recipients of mortgage interest
Parties involved in designation agreements
Payers of mortgage interest to nonresident aliens
What if I can’t get the borrower’s Social Security Number?
You should obtain SSN at loan origination. If borrower refuses, you’re still required to file Form 1098 with the information you have. You may face penalties for missing SSN, but document your efforts to obtain it for reasonable cause defense.
For the 2025 tax year, the key deadlines are:
February 2, 2026 – Deadline to furnish Form 1098 to the borrower
March 2, 2026 – Deadline for paper filing with the IRS
March 31, 2026 – Deadline for electronic filing with the IRS
What Form 1098 copies are there?
Form 1098 includes three standard copies:
Copy A – Filed with the IRS
Copy B – Provided to the borrower (payer)
Copy C – Retained by the lender (recipient)
Start Filing Your 1098 Forms Online Today
Simplify mortgage interest reporting. Start filing your 1098 forms today.