Most people know that Fannie Mae / Federal National Mortgage Assctn Fnni Me (OTCBB:FNMA) and Freddie Mac / Federal Home Loan Mortgage Corp (OTCBB:FMCC) had billions in bad loans on their books when the financial crisis hit, but the reason for all those bad loans seems not to have been as well publicized. Barely a year into profitability, and we’re already getting calls to repeat past mistakes. “Fannie and Freddie — by far the largest sources of mortgage money in the country — continue to charge punitive, recession-era fees that can add thousands of dollars to consumers’ financing costs,” writes…