Mortgage fee changes and new rules spark concerns and backlash.

Fees on mortgages backed by Freddie Mac and Fannie Mae will change next month, with reductions for many with lower credit scores and increases for many with higher credit scores. However, people with higher credit scores will still pay less based on lower risk to the lenders, but having a lower credit score will now come with less of a penalty. The changes are designed to make homeownership more affordable for more people, but some critics say well-qualified buyers are already struggling to enter the housing market.