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Mortgage payments across the U.S. are climbing — and for many homeowners, the pressure is becoming unsustainable. In 2026, higher interest rates, rising property taxes, insurance hikes, and adjustable-rate resets are pushing monthly housing costs far beyond what families originally planned for. What was once considered a stable, predictable expense is now becoming a growing financial burden. In this video, we break down why mortgage payments are going up, how homeowners are being caught off guard, and what this trend means for housing stability, savings, and long-term financial security. From first-time buyers to long-time homeowners, fewer people are feeling protected from rising costs. This is a reality check on the hidden risks of homeownership — and why owning a home no longer guarantees peace of mind in 2026. ------------------------------------------ DISCLAIMER: All content featured on this "Reality Check Report" YouTube Channel, and related social media, including: text, images, videos, or other formats were created solely for informational and entertainment purposes only. The creator and publisher of this video will not be held responsible for any adverse effects that may arise from the use of any item, advice or method on this channel and the corresponding websites. CREDITS: This video features a mix of our own commentary and reactions to publicly available TikTok content, used under Fair Use for the purposes of discussion, analysis, and critique.