First, Piggyback Line is a registered Service Mark of Fremont Bank.
That being said, I’m not sure I understand the question. I presume you have a loan escrow opened with a Title Insurance Company, and, I would guess that it is 1 escrow for both the 1st and the 2nd. The 2nd apparently has “negative” closing costs generating a credit to the borrower(s). Depending on how you advertised the “rebate”, you may be able to apply this amount to closing costs on the 1st. Did you promise “cash-in-hand?”
_________________________
Al Miller, CRCM
Opinions expressed are my own and not necessarily shared by my employer.