Good Deal on Lender Credit?

[Salley Smith]

I am buying an REO HUD home for 210,000 with 10,000 (5% down) on a conventional renovation loan. My lender told me I would receive a lender credit of $1,250 at 4.375% vs. no lender credit at 4.25%. I went with the lender credit, since it would take 6.5 years to break even (the point where the lender credit would no longer be worth it because of the amount of interest I would have paid). She is now changing that lender credit to $750, and saying that she never remembers the previous conversation. It appears she misspoke, because even the documents she had previously sent me included the $750 number, which I hadn't noticed. I am not sure if this new lender credit is worth it- the break even point is just a little under 4 years. Please advise if you think this .125 percent rate difference is or isn't worth the $750. Thanks for your time.