I have a private mortgage through my parents. How do I report interest payments without a 1098?

You should have an amortization schedule for your records so that both you and your parents agree on the amount of interest paid/received. 

Enter your mortgage interest you paid to your parents as long as you have a contract between you and you are liable for the payments on the home.  Use their Name as the Lender. You will reach a screen where you can select 'This is a seller-financed loan and I did not receive a 1098.' Once you select yes here, you will be asked for their address and SSN.

• Search (upper right) 1098 > Click the Jump to ... Link > begin your mortgage interest deduction entry

Can I write off mortgage interest if I am not on the loan?

If the loan is not a secured debt on your home, it is considered a personal loan, and the interest you pay usually isn't deductible. You can take the deduction if you are the primary borrower, you are legally obligated to pay the debt and you actually make the payments. 

• Deducting Home Mortgage Interest FAQs