What happened to the American dream? Not too long ago, we were told that if you worked hard and built good credit, you could soon put a down payment on a house and become a homeowner. Now, however, the Biden administration appears to be penalizing financially responsible Americans for their hard work. In January 2023, the Federal Housing Finance Agency announced that two major government- sponsored entities, the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac), will be adjusting their single-family pricing framework, starting on May 1. This will change the fees known as loan-level price adjustments (LLPAs) and affect all f
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