Update to NJ High Cost Consideration of Seller-paid Discount Points

Update to consideration of seller-paid discount points in the New Jersey high cost points and fees test.  The New Jersey high cost test includes charges or fees that if paid by the borrower would be included in the points and fees even when those charges are paid by the seller.  The New Jersey high cost test does include seller-paid charges and origination points in the points and fees calculation, this change updates for discount points inclusion.