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Indeed, just as it was escalating its inverse floater deals, it was also introducing new fees on borrowers, including those wanting to refinance. During Thanksgiving week in 2010, Freddie quietly announced that it was raising charges, called post-settlement delivery fees. In a recent white paper on remedies for the stalled housing market, the Federal Reserve criticized Fannie and Freddie for the fees they have charged for refinancing. Such fees are ‚another possible reason for low rates of refinancing‚ and are ‚difficult to justify,‚ the Fed wrote. A former Freddie employee, who spoke on condition he not be named, was even blunter: ‚Generally, it makes no sense whatsoever‚ for Freddie ‚to restrict refinancing‚ from expensive loans to ones borrowers can viagra popytka nomer 5 mp3 boxca easily pay, since the company remains chfap cheap viagra south africa hook if homeowners default.

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