June 2 (Bloomberg) -- Brazos Group Inc., the largest municipal borrower in the $330 billion auction-rate securities market, is stuck with $7 billion of debt it can't refinance, restructure or buy back. Broker fees may come in different forms, either as an addition to your interest rate, a separate fee, or points paid at closing. With all these additional fees, you might find that your best mortgage rate deal may not sound so great after all.