Right - the origination fee is it's own charge. It's essentially the lender's "commission" for originating the loan. It's not prepaid interest, it's not deducti...

Same Publication:"Amounts charged by the lender for specific services connected to the loan are not interest. Examples of these charges are: ... Preparation cos...

Points and origination charges are not the same thing. If they were, they'd be on the same line of the HUD-1. Points are prepaid interest (which gets you a lowe...

Ok, let's put this another way. The lender is *required* to report any points paid in box 2 of Form 1098, to the extent that the points paid conform to certain ...

The correct answer is $9430, assuming all other conditions are met. That's why that's the number in box 2 of the 1098 says $9430, not $12955.70. Just because th...