I have (2) 1098 forms but turbo tax is only applying one of the two amounts, why?

Here are the steps to enter two form 1098's for loan sold to another lender when the loan was the original loan taken for purchase of a home 

Disregard points if there were none

LOAN BOUGHT BY NEW LENDER same year w/POINTS

Enter the first (oldest) 1098 and indicated that it was secured by home 
Select BOTH "new loan with points" (if points were paid) and "bought or improved home in 2024"
Enter points (if applicable) 

Select YES "This loan was paid off or refinanced with a different lender in 2024". 
(NOTE; If you indicate NO to "paid off or refinanced", the program will add the mortgage balances)
No, not most recent 1098
"HELOC or refinance?" NO
Yes, only used on this home
The points (if applicable) and interest should be added and reported on Schedule A

Enter the second 1098 
Yes, secured by home
Indicate that you bought or improved the home with this loan, but  DO NOT indicate that it was a NEW loan, DO NOT ENTER POINTS A SECOND TIME
Yes, most recent 1098
Neither HELOC nor refinance 
Yes, only used on this home
DONE

All interest and points are reported as deductions on Schedule A
I did get a "Let's Check These Entries" when I ran "Smart Check" where I had to indicate if either loan was a refinance. 
I selected "Refinance NO"
The full deduction remained on Schedule A