We don't ever show a credit on the GFE, 'cause then we're bound by that amount. What if, between GFE and closing, the employee was fired or quit? You'd still have to give the credit.
....though I suppose that might be considered a changed circumstance. But it's just cleaner not to worry about credits on the GFE......just my opinion.
We did a home equity no closing costs promotion.....pretty standard fees, so pretty safe. And we new when the GFE was issued that the borrower would be issued a credit. Still, we did not show a credit on the GFE....just in case some the fees happened to drop or be less than disclosed. We didn't want to be strapped into giving the borrower credit for money that wasn't even paid.
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The more you sweat in training, the less you bleed in battle.......