Another option might be to try and get money back from someone we can all agree does not need it...the bank.
Buy the house, and see how much of a discount you can finance at. I know there was a posted rate, and a rate we negotiated with the bank. If you work out the math, you probably can recoup some or all of the $4K over the entire term in interest.
I know playing the points is not as tangible as a $4K cheque, but it is money none the less. Also, you can sleep better at night knowing you didn't screw someone over by using bad business practices.
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