We are including points in block 1 (which I know is a point of debate) so if a customer locks their rate at a different structure than origianlly disclosed, block one would change. Based on the set of fees we are including in block one, points are the only variable depending on the final pricing they choose. The other fees (u/w, processing,etc) are static-not rate or loan amount dependent.
Best QB Ever. Worst Defense Ever.