I should add that private mortgage insurance companies were effectively run out of town by Fannie and Freddie. Now we want them back? They should never have left in the first place. As far as surcharges are concerned, they are penalties assessed against the victims instead of the perpetrators. Case in point is the rising MIP fees on FHA and VA loans. As to real estate fees, they are typically split among 4 individuals, whose gasoline costs have doubled. Average sales per agent are around 2 to 3 per year. Few agents get rich and most of those do it buying and selling. Can't we reduce the outrageous salaries and bonuses of the officials at Fannie and Freddie for starters? & forbid anyone working there that has worked for a politician.