Discount points are paid to everybody "wins" (I can't really explain it, but if want to chat send me a message and we can discuss as best i can how the bond market works).  6 months doesn't quite make the cut, but I'm sure its a compromise as a consumer protection, getting to the 1yr owner occupation requirement, and allowing an owner to potentially resell (lets face it, you can't effectively "disallow" somebody from selling).I think the guildines to 6 months on Title is to protect the lenders and the secondary market. 

They have to mark up the price form their subcontractor to make their cut, so you're paying twice.

Ultimately, if you still can't get it, before you break anything I would probably just cut it with a reciprocating saw (i.e.

chances of a melt down are slim but you never know for sure.Keep in mind too that the US has a 17 trillion deficit,  50k per citizen, 152k per taxpayer.Debt ClockThe easiest way for politicians to get out of this hole is going to be inflation, don't count on them increasing taxes that much or cutting spending by that amount.  

It's not black and white, cut and dried, or ying and yang!  

(They’re so small as to be like a speck of dirt so i can’t see them in the finished paint job at all, I just know I brushed over them while cutting in!)

As long as the dent isn't in the front panel, it should be fine.That said, depending on your area, that may not cut it.

Ideally, I'd want to cut them in on the deal to align everyone's incentives. 

I have them pre-typed out in a word doc and just cut and paste, saves a ton of time. 

After listing my property (a 4-plex in San Diego) too high in a declining market, receiving no offers after a month even after a 9% price cut, I asked my broker: at what price could he guarantee an offer within a week or two.