Question

The program will not allow me to file because I do not have a 1098. My mortgage was paid off in 2018. What should I do?

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It sounds like you may have accidentally created a mortgage interest Form 1098. The best way to rectify this to delete the form.

Here's the general procedure for viewing the forms list and deleting unwanted forms, schedules, and worksheets in TurboTax Online:

Open or continue your return in TurboTax.
In the left menu, select Tax Tools and then Tools.
In the pop-up window Tool Center, choose Delete a form.
Select Delete next to the form/schedule/worksheet in the list and follow the instructions.