Welcome to the Jill on Money Show. It is the first day of May, May 1st. Wow. April flew by for me.

And if you are thinking about what you're going to do for the summer, gosh, I'd love to hear

all about it. But before you turn your brain off for those summer months, how about getting in touch

with us? You can float any financial question by me and Mark. We're both certified financial planners.

All you need to do is go to Jill on Money.com and click the contact us button. When you do that,

what's so cool is that you are able to essentially come to us. Tell us your story. And we can actually

figure out some different options for you. Now, today, Mark, there's something kind of interesting

that's happening. Mortgage fees are going up. Now, this is a rule change that comes from

Fannie Mae and Freddie Mac. You know the deal is usually that when you get a mortgage,

you get a better rate if you have a higher credit score. So, like, if you have a 780 credit score

and you put 20% down on a home, you're going to get the best rate. Well, these new fees are

kind of opposite of that because here's what happens. The scores that are being used for the fees

are kind of flipped on their heads because costs will increase if you have a higher credit score.

But if you have a lower score, fees will decrease. It may feel a little, it's almost like colleges,

like you pay full boat tuition and you've got, because you have a lot of money so that people who

don't have as much money can go for less. So, here's the deal. You got a credit score of 750.

Yeah, got a $400,000 loan, right? And you're going to end up saying, wait, I have to pay more

in fees. Yeah, you're going to pay 0.375% in fees up from a quarter. Now, I know that that sounds like

it's not that much. It's just going to bug you. So, it's like 750 bucks. Now, of course,

when you're doing hundreds of thousands of dollars and it's a long-term loan, it doesn't really

feel like a lot. But what you're going to do is you're going to hear about this. And when you hear

about it, you're going to say like, oh my god, that stinks. It's not fair, but it's actually not

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