Grease that oils the mortgage marketHow can the U.S. minimize the risk of another mortgage meltdown? Lawmakers and regulators wrestled with that question in 2013. FHA added fees and extended insurance on its mortgages, making those loans less desirable. Fannie Mae and Freddie Mac, which free lenders to fund more homes by buying mortgages, are still government owned - but what should happen next? NAR wants continued government involvement; others, however, say Fannie and Freddie should go completely private. The discussion continues.