The entire amount of a seller credit can be applied to cover the cost of interest rate discount points directly in the pricer in order to help a scenario pass the QM points and fees threshold.
Ensure that the seller credit is input in the Seller Credit field on the pricer
Next to "Apply seller contribution to discount?", select "Yes", and then click the "Get Pricing" button
If the seller credit amount is enough to lower the discount points to pass the QM points and fees threshold, those specific rates will now be available to select indicated by a blue checkbox next to the loan program name.
**Please note that the full amount of the seller credit has to be used and the pricer will not accept a partial amount to be applied to the cost of discount points**