Just before Christmas, American workers got a rare gift from Washington politicians - the current payroll tax cut would be extended for two more months.
At the time, both President Barack Obama and House Speaker John Boehner lauded the move to avoid a tax increase for millions of working Americans.
But there's something the politicians weren't bragging about - the fact that they're paying for the two-month tax cut with what has turned into a brand new fee on home buyers.
The new fee is a minimum of one-tenth of 1 percent on Fannie Mae- and Freddie Mac-backed loans, and is likely to go much higher.
It will be imposed for the next 10 years on most mortgages and refinancings and it lasts for the life of the loan.
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For every $200,000, it amounts to an extra $15 dollars a month.
It's bad news for Patty Anderson, who's buying a home in Virginia.
Anderson will save a couple hundred dollars from having her payroll tax cut extended but her mortgage broker told her the new fee would cost her almost $9,500.
"I was absolutely startled that it would add up to that much," she said.
The $35.7 billion collected in fees won't go into the Social Security fund to replace the lost payroll tax. It goes to the general treasury where Congress can spend it however they please.
Bill Burnett, Anderson's broker and president of the Virginia Association of Mortgage Brokers, said you won't see Congress' new charge in the paperwork, but it's there.
"It's actually built into this [interest] rate. You would never see the fee as a cost to you," he said.
Burnett said the fee will affect a "very large number" of homeowners.
"Your pocketbook is being raided in order to pay for a tax policy issue decided at the last minute by probably people who didn't understand fully what they were legislating on."
CBS News went to Capitol Hill ask what Congress was thinking when they passed the mortgage fee hike. Boehner pointed the finger at the Senate.
"As you're well aware, this bill came over from the Senate. I don't know how they justified it. We would rather have offset that two-month extension with reductions in spending," he said.
But the Senate blamed the House. And Democrats and Republicans blamed each other.
One congressman, Florida Republican Allen West, said he tried to blow the whistle on the whole thing before Christmas.
"I read the legislation and raised the flag. Unfortunately nobody paid attention to what I was saying at the time," he said, calling the fee a backdoor tax increase on the middle class.
"It absolutely is because you're talking about the homeowners - when you're talking about the people that are gonna be using the Fannie Mae, the Freddie Mac, the government-sponsored enterprises - it is absolutely a tax increase on them."
An Obama administration official defended the mortgage fee, calling it "modest." (Modest to who?!?!?!)She said it's "unlikely to negatively affect borrowers" because increases "will be phased in over the next two years." And it will "help bring private capital back into the mortgage market, which [is] good for borrowers over the long term." I’d really be interested in learning what this means – I guess they are saying that people will go to more conventional loans where the fee is not included? But what happens when they do and the tax does not cover the new payroll extension and/or is this a cover because no one can afford a conventional at 15 – 20%. One place to start is learning how many loans are currently being backed by Freddie and Fannie.
Maybe so. But Patty Anderson only knows that for the next 30 years, she'll be haunted by the Washington ghost of Christmas past.
"I think it just looks like Washington grabbing more money," she said.