So when you spend your time complaining about "lazy Americans," remember that you're referring to a group that includes yourself.And, of course, if I'm wrong, just provide me some reference to "euthanasia" or "death panels" in any bill that has come out of this administration.

Administrative fees are charged from the mortgage servicer to the mortgagee (lender).

I'd say mostly on the seller first, then a listing agent as the seller will likely look to them for failing to inform the seller as well as participation in the origination (to some extent they are exempt to administrative work) anyway, but while these people may get their hand slapped, the buyer can also lose.

Todd,I have seen a few posts and blogs saying that even though the administration wants banks lending the FDIC is putting the hammer down on them, especially related to real estate loans.

Taz,You're stating a variety of opinions and theories as facts.The FICO scoring model isn't to blame for the subprime meltdown nearly as much as the Clinton administration applying pressure to lenders to lend within the "red line".

I've been a network administrator for a University and High School, and from time to time in my past like, I did freelance computer consulting.

The CBO was a partisan entity from DAY ONE of the Obama administration.

Taking more and more money and throwing into them will do nothing to change the bad administration.

We as a country will never be able to protect ourselves to the best of our ability until we stop bickering about every little thing the Administration does.

I see where they keep Administrative Fees, are they claiming this is an Administrative Fee?