Refinancing a mortgage. Closed on the original mortgage October 19 2018. Supposed to close on the refi October 7 2019. Refi was with same lender as first loan. Lender called us, and basically said can you delay your closing by two weeks as a favor? Apparently when they sold my loan to the new servicer, there was an agreement that they would need to pay back the commission if the loan was paid off within a year. Delaying by two weeks fixes this for them.
By my math we will pay about $150ish more in interest (daily interest on current loan is $54, new loan my math is $44), but otherwise no additional costs to us. Lender told me rates have gone up, but they will pay the points to buy back down the rate, as that's less of a loss on their end than the clawback.
This lender has done 3 mortgages for us (including the refi) and has had the best rates every time. I don't want to damage the relationship, and I'll be honest I don't want to be "mean" if there's no downside to us.
If I can get them to comp me the $150 in carrying costs, is there any downside to agreeing? What should I ask them to agree to in writing?
All arguments for and against welcome.