Chris,,
Perhaps I am not understanding your question.

If you want a credit/kickback, the rate is going to be higher than it should be, so the payment will be higher FOREVER, costing a fotune for a loan held 360 months…

The money to pay title, escrow, underwriter, notary, recording etc, has to come from somewhere.
It’s not free. If there is no upfront costs, then it’s built into the higher rate/higher payment, as long as you keep that loan.

It’s worse than pay now OR pay later. Instead of paying $1 now you may pay $3 or $4 later.

Send me an email if you want to continue this, we can talk and I’ll use some actual numbers as an example, and perhaps understand your thoughts on this… HLS