I refinanced my old mortgage of $222,000 with no cash out with a new principle of $227,000 for closing costs in December, but had to pay $2409 at closing with no discount points but $2810 advance mortgage insurance premium and $561 for interest from closing date to the first of the new year. Will I be able to deduct anything other than the standard mortgage interest for my initial loan for 2008? Since my closing falls between Dec. and the new year, I'm a little confused.