1. "Our bonuses are really kickbacks."Michael Moskowitz doesn't mince words. "It's the mother of all potential snookering," says the president of New York-based mortgage lender Equity Now, "and it's a game being played on even the most sophisticated consumers." The name of the game is yield spread premiums — and homebuyers often end up the losers. In some circumstances, these premiums are legal, and even helpful: the lender will help you pay closing costs such as the broker's fee; in return, you agree to a higher interest rate over the life of the loan. But things can get a bit...