The private sector has runaway to hide and the ...Credit crunch still here as US economy sends wrong signalsLIVENEWS.com.au, Australia -Aug 21, 2008In July Fannie and Freddie did almost 100% of the refinancing of less than $US100 billion in mortgage debt. Fortunately though, broker's fees, like lender fees, are negotiable. So be prepared to practice you negotiating skills so you can best the best mortgage rate.