[JonathanHendrix]

If you got someone to give you the 1.18 making 1 or 2 points, you wouldnt take it? You HAVE to make 3-4? Isnt it better to make something than nothing?

I don't think it's that deep brudder, I think he would take 1 point if he got the deal done.

Another way to get a 1.18 factor rate would be to get an Early Payoff Addendum if u have someone who does that