{"id":104429,"date":"2025-08-26T15:26:23","date_gmt":"2025-08-26T22:26:23","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=104429"},"modified":"2025-08-26T15:30:21","modified_gmt":"2025-08-26T22:30:21","slug":"why-did-my-mortgage-go-up","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/why-did-my-mortgage-go-up\/","title":{"rendered":"Why Does My Mortgage Keep Going Up?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Once you buy a home, you expect your <\/span><a href=\"https:\/\/www.redfin.com\/mortgage-calculator\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">mortgage payment<\/span><\/a><span style=\"font-weight: 400;\"> to stay steady, especially if you have a fixed-rate loan. But for many homeowners, the amount due each month can creep up over time, leaving you asking: <\/span><i><span style=\"font-weight: 400;\">\u201cWhy did my mortgage payment go up?\u201d<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Whether you\u2019re paying off a <\/span><a href=\"https:\/\/www.redfin.com\/city\/5155\/CO\/Denver\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home in Denver, CO<\/span><\/a><span style=\"font-weight: 400;\"> or managing your <\/span><a href=\"https:\/\/www.redfin.com\/city\/13655\/FL\/Orlando\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home in Orlando, FL<\/span><\/a><span style=\"font-weight: 400;\">, this Redfin article explains the most common reasons mortgage payments rise, plus steps you can take to lower them.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full-size\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/08\/shutterstock_1809678130-1-scaled.jpg\" alt=\"why does my mortgage keep going up\" width=\"2560\" height=\"1707\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">Why did my mortgage payment go up?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A higher monthly mortgage bill doesn\u2019t always mean you\u2019ve made a mistake. Mortgage payments can increase even if you\u2019ve never missed a payment. In most cases, your principal and interest stay the same, but your escrow portion can change. Here are the most common culprits:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. Escrow account changes<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Most lenders set up an escrow account to collect money for property taxes and homeowners insurance. If those bills go up, your lender increases the escrow portion of your payment, even though your principal and interest don\u2019t change.Each year, lenders perform an escrow analysis\u2014and if there\u2019s a shortfall, your payment will rise to cover the difference.<\/span><\/p>\n<p><b>&gt;&gt;Read: <\/b><a href=\"https:\/\/www.redfin.com\/blog\/what-is-escrow\/\" data-wpel-link=\"exclude\"><b>What is Escrow?<\/b><\/a><\/p>\n<h3><span style=\"font-weight: 400;\">2. Property tax increases<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Local governments can reassess <\/span><a href=\"https:\/\/www.redfin.com\/what-is-my-home-worth\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">your home\u2019s value<\/span><\/a><span style=\"font-weight: 400;\">, raising your property taxes. If your tax bill increases, or if you lose a property tax exemption, your escrow contribution goes up, too. That change gets passed directly into your monthly mortgage.<\/span><\/p>\n<p><b><i>Example<\/i><\/b><i><span style=\"font-weight: 400;\">: If your escrow account is short $240, your lender may add $20 per month to your mortgage for the next year.<\/span><\/i><\/p>\n<h3><span style=\"font-weight: 400;\">3. Homeowners insurance premium hikes<\/span><\/h3>\n<p><a href=\"https:\/\/www.redfin.com\/blog\/how-much-homeowners-insurance-do-you-need\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Homeowners insurance<\/span><\/a><span style=\"font-weight: 400;\"> is required by lenders to protect their investment. Premiums can rise if you:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Switch providers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Add more coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Renovate or upgrade your home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Live in an area with rising claims or climate-related risks<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When premiums increase, your escrow account needs more money\u2014causing your monthly payment to rise. For example, if your annual premium increases by $120, your lender may add $10 to your monthly mortgage payment.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">4. Adjustable-rate mortgage (ARM) resets<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you have an <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-an-adjustable-rate-mortgage\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">adjustable-rate mortgage<\/span><\/a><span style=\"font-weight: 400;\">, your initial interest rate is only locked for a set time (commonly 3, 5, or 7 years). Once the fixed period ends, your rate adjusts annually or semi-annually. If rates are higher than when you started, your monthly mortgage can jump significantly. However, if rates drop, your payment could decrease.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Inflation, changes to the federal funds rate, or broader market conditions can all trigger higher mortgage rates.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">5. Expired servicemember benefits<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Active-duty military members are protected under the Servicemembers Civil Relief Act (SCRA), which caps mortgage rates at 6%. Once your active duty ends, your loan reverts to the original higher rate in your agreement, raising your payments.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How can I lower my monthly mortgage payment?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The good news: just as payments can rise, there are ways to bring them back down. Here are practical steps homeowners take:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. Remove mortgage insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you purchased with less than 20% down, you likely pay <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-pmi-insurance\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">private mortgage insurance<\/span><\/a><span style=\"font-weight: 400;\"> (PMI). Once you reach 20% equity, you can request removal. Check your loan statement or ask your lender to confirm your current equity. Eliminating PMI can lower your monthly bill by hundreds of dollars.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">FHA loans are trickier: mortgage insurance often lasts 11 years or the life of the loan unless you refinance into a conventional loan.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Refinance your loan<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Refinancing can lower your payment by:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Locking in a lower interest rate if rates drop<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extending your loan term to spread costs over more years (though this can increase total interest paid)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Switching loan types (e.g., ARM to fixed-rate or FHA to conventional)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Consult with a mortgage professional to calculate savings.\u00a0<\/span><\/p>\n<p><b>&gt;&gt;Read: <\/b><a href=\"https:\/\/www.redfin.com\/blog\/when-to-refinance-mortgage\/\" data-wpel-link=\"exclude\"><b>Should I Refinance My Mortgage?<\/b><\/a><\/p>\n<h3><span style=\"font-weight: 400;\">3. Shop around for homeowners insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Switching providers or adjusting coverage can lower premiums and reduce escrow requirements. Just make sure your coverage still protects your property adequately.<\/span><\/p>\n<p><b>&gt;&gt;Read: <\/b><a href=\"https:\/\/www.redfin.com\/blog\/how-much-homeowners-insurance-do-you-need\/\" data-wpel-link=\"exclude\"><b>How Much Homeowners Insurance Do You Need?<\/b><\/a><\/p>\n<h3><span style=\"font-weight: 400;\">4. Appeal your property tax assessment<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">According to the <\/span><a href=\"https:\/\/www.ntu.org\/foundation\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">National Taxpayers Union Foundation<\/span><\/a><span style=\"font-weight: 400;\">, up to 60% of homes are over-assessed\u2014but only 5% of owners appeal. If you suspect your home\u2019s tax value is too high, you can:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check your local appeal deadline<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hire a third-party assessor or work with a real estate agent<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Present evidence to your local tax appeals board<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A successful appeal can reduce your taxes\u2014and your mortgage payment.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently asked questions about rising mortgage payments<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">1. Why does my mortgage keep going up if I have a fixed-rate loan?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Even with a fixed-rate mortgage, your principal and interest stay the same, but your escrow account costs, like property taxes and homeowners insurance, can rise. That\u2019s usually why your payment increases even though your rate hasn\u2019t changed.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. How often can my mortgage payment change?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Your lender typically reviews your escrow account annually. If there\u2019s a shortage, your payment may increase once a year. However, if you have an adjustable-rate mortgage (ARM), your interest rate, and payment, could change annually or semi-annually once the fixed period ends.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Can I stop my mortgage payment from going up?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can\u2019t control tax assessments or insurance premiums, but you can shop around for insurance, appeal your property tax assessment, or refinance to stabilize your payment. Removing PMI once you reach 20% equity is another way to prevent unnecessary increases.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">4. Why did my escrow account shortage raise my mortgage?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If your escrow account doesn\u2019t have enough funds to cover property taxes or insurance, your lender spreads the shortage across future monthly payments. This keeps your account from falling behind and ensures bills are paid on time.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">5. Will refinancing lower my mortgage payment?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, refinancing into a lower rate or longer term can reduce your monthly payment. You can also refinance to remove FHA mortgage insurance or switch from an ARM to a fixed-rate loan for more stability.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn why your mortgage payment keeps rising\u2014escrow, taxes, insurance, or rates\u2014and what steps you can take to lower it.<\/p>\n","protected":false},"author":562,"featured_media":104916,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34277],"tags":[34642],"coauthors":[34346],"class_list":["post-104429","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Why Did My Mortgage Payment Go Up? | Redfin<\/title>\n<meta name=\"description\" content=\"Learn why your mortgage payment keeps rising\u2014escrow, taxes, insurance, or rates\u2014and what steps you can take to lower it.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.redfin.com\/blog\/why-did-my-mortgage-go-up\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Does My Mortgage Keep Going Up?\" \/>\n<meta property=\"og:description\" content=\"Learn why your mortgage payment keeps rising\u2014escrow, taxes, insurance, or rates\u2014and what steps you can take to lower it.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.redfin.com\/blog\/why-did-my-mortgage-go-up\/\" \/>\n<meta property=\"og:site_name\" content=\"Redfin | Real Estate Tips for Home Buying, Selling &amp; More\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/redfin\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-26T22:26:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-26T22:30:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/08\/shutterstock_1809678130-1-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marissa Crum\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@redfin\" \/>\n<meta name=\"twitter:site\" content=\"@redfin\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marissa Crum\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/why-did-my-mortgage-go-up\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/why-did-my-mortgage-go-up\\\/\"},\"author\":{\"name\":\"Marissa Crum\",\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#\\\/schema\\\/person\\\/dba858ab820bf024303a819ca6d10eaf\"},\"headline\":\"Why Does My Mortgage Keep Going Up?\",\"datePublished\":\"2025-08-26T22:26:23+00:00\",\"dateModified\":\"2025-08-26T22:30:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/why-did-my-mortgage-go-up\\\/\"},\"wordCount\":976,\"publisher\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/why-did-my-mortgage-go-up\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.redfin.com/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/shutterstock_1809678130-1-scaled.jpg\",\"keywords\":[\"Mortgage\"],\"articleSection\":[\"Finance\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2025\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/why-did-my-mortgage-go-up\\\/\",\"url\":\"https:\\\/\\\/www.redfin.com/blog\\\/why-did-my-mortgage-go-up\\\/\",\"name\":\"Why Did My Mortgage Payment Go Up? 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