My FI is now offering a borrower-paid PMI buy-down through one of the mortgage insurance companies...Borrower pays a portion upfront at close, and their monthly pmi payment is lowered...I didn't even know this existed (!?) let alone it being brought to my attention when this became available or the FI decided to start offering it...
So naturally, the Mortgage Department is placing the fee in Section H Other...
I am thinking this may need to go into Sec B and be included as a PFC/FC/APR.

Thoughts?

Section B all the way and absolutely a finance charge.

Thank you so much, Randy!