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I don't know why this isn't common sense. When you charge higher G-fees, this is then passed down to the consumer. Lenders can't and won't "eat" these fees. They have a cost of doing business and keeping people EMPLOYED. As well as getting loans done. So you hurt the employment market. You hurt the buyer who is now paying a higher cost to get a mortgage- when they are already burdened with a lot of costs to begin with. We already have an affordability issue in most places in the country and to make that even tighter, will only push more people out of homeownership. Additional LLPA's and the adding of LLPA's is pushing many homebuyers out of the possibility of buying. When you make the fees so high, especially for buyers who don't have the money to pay them. that then pushes the rate higher. But of course, you have a points and fees limit. So you literally are forcing those who have the lower credit (usually your first time buyers) completely out of being able to qualify. IF you want to help housing in America, you make things more affordable, not more expensive. It's not rocket science. As someone who has been in the mortgage industry over 30 years, I've seen homeownership become harder and harder to obtain, but sharply worse, in the last 4 years. With the added fees that are already in place, you've already pushed many people out of being able to buy. And with price appreciation- the thought of even raising these fees shouldn't even be talked about.