Effective October 1, 2008, Fannie Mae is making home loans more expensive for Americans. You may want to bookmark this page because where Fannie goes, Freddie often follows. The first part of Fannie's two-part change is a remodel on its risk-based fee structure, also known as loan-level pricing adjustments. The original model was eighty-sixed after just 12 weeks. To read the fee chart, locate the intersection of your credit score and mortgage loan-to-value. The cross-section is your risk-based mortgage fee, as mandated by Fannie Mae, and represented by this formula: Risk-based fees are relatively new to conforming borrowers; mortgage pricing...