Forbes - AFX News Limited S&P: Mortgage bond credit worsens 02.27.08, 2:59 PM ET ... The delinquency was the worst for pooled subprime loans, or loans to people with bad credit. 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.