Wine costs less by the case. Government services cost less than private services ... eg Space Shuttle $450M per launch, Spaceship2 $150K.
And now this breathtaking article ... oh, and the little kicker
Jumbo loans have also gotten comparatively cheaper. As the Federal Housing Finance Agency (FHFA), which regulates Fannie and Freddie, seeks to boost the two agencies' reserves against losses from mortgage defaults, it has raised fees and other costs for borrowers, according to Terry Francisco, a Bank of America spokesman.Things that make you go "duh".
Since Fannie and Freddie don't back jumbo mortgages, those fees don't apply and therefore aren't passed on to borrowers.