#stopthefed http://ping.fm/arqog Higher loan costs, Less access to credit for less than A+ borrowers & those who only need a small loan. The SAFE act & NMLS licensing, FBI background checks & fingerprinting have gotten rid of the BAD actors. Only the Survivors & Veterans remain. RE Agents customarily negotiate their fees depending on FREE MARKET competition NOW Loan Officers will not be able to do so with their fee