"I refinanced last year and negotiated the fee I paid the mortgage broker. Now, I want to refinance again to take advantage of lower rates, but my broker tells me that the arrangement we had last time is no longer possible under new rules. He says that his fee is set beforehand and that there is no way he can change it.
That fee would be twice as much as I paid him last time, and may change my mind about doing the deal. Is he being straight with me?"