Including the costs and an offsetting lender credit would probably cause your LOS to count the costs (or some of them) as PPFCs and goose the APR up. That would be an inaccurate disclosure because it would not reflect the terms of the loan agreement, which did not include those costs.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8