Bringing this subject back up.
When a borrower requests a higher rate in order to receive the YSP, is this shown as negative points or as a lender credit. To me, it's negative points and other larger institutions have apparently taken this stance [at least at some point, if not currently] and shown as a negative number in the discount point section, as that's what they directly relate to....pricing.
OR, since there seems to be no discussion of negative amounts shown in A, do they show as a lender credit?
I'm not a fan of the second option as it doesn't spell out as clear of a picture to me, but I haven't found any real good direction on it.
My opinion only. Not legal advice.
Say you'll haunt me - Stone Sour