# Lender Credit Points Tradeoff Recheck

Recheck a points-versus-credit quote pair on the same loan basis before comparing.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
Two quotes, loan amount, rate, points and lender credits.

## Workflow
1. Confirm both quotes share the same loan basis.
2. Record points paid against credits received.
3. Compare upfront cash and rate on each quote.
4. Return the comparison without a borrowing recommendation.

## Output contract
quote | rate | points | credit | upfront_cash | same_basis | recommendation_unproved

## Fictional acceptance test
Fictional quotes on 200,000: one at 1 point (2,000) with the lower rate, one with a 1,500 credit at the higher rate. Comparing monthly payments alone ignores the 3,500 upfront difference.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/how-should-i-use-lender-credits-and-points-also-called-discount-points-en-136/

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