Fannie Mae announced its November National Housing Survey results yesterday revealing that cautious consumers are stalling housing momentum as Americans remain vigilant about their personal finances and the state of the economy. The share of respondents who say mortgage rates will go up in the next 12 months increased by 2% to 59%.The National Federation of Independent Businesses reported its small business index today showing a rise to 92.5 in November from 91.6 in October. The survey did reveal two trends - companies are looking to hire more workers, but they aren't interested in adding to current inventories.The Federal Housing Finance Agency (FHFA) reported yesterday that in an effort to gradually contract the dominance of Fannie Mae and Freddie Mac in the mortgage arena, the FHFA will be raising the guarantee fees or g-fees by 10bp. This will enable Fannie and Freddie to deepen and broaden the risk-sharing with private investors initiated this year. The increase will take place beginning April 1, 2014, for those loans sold for cash, the change will take place on March 1, 2014.