Why Your "Fixed" Mortgage Isn't Actually Fixed Anymore скачать в хорошем качестве

Why Your "Fixed" Mortgage Isn't Actually Fixed Anymore

I opened my mail to a renewal notice that didn't make sense. If you have a fixed-rate mortgage, you think you’re safe, but in 2026, the "invisible taxes" of insurance premiums and escrow adjustments are the new tools being used to squeeze the middle class. In this video, I’m taking a Level Headed look at the math. We are seeing premiums spike 20-30% while insurance companies use AI and drones to "manage" us out of our own equity. This isn't about being a victim; it's about seeing the math for what it is so we can decide how to traverse it. The Practical Breakdown: • 0:00 - The notice in my mailbox: Why the math doesn't add up. • 0:48 - The Hijack: How your payment changes even when your rate doesn't. • 1:43 - The 10% Rule: When insurance becomes a forced subscription. • 2:45 - How to read your own statement and find the leaks. • 3:30 - AI & Drones: The end of privacy in homeownership. • 3:53 - My Story: Being forced to replace a roof that didn't leak. • 5:25 - Moving from Outrage to Agency: What can we actually control? • 6:10 - Final Thoughts: Don't let the "Macro" noise ruin your "Micro" peace. The Level Headed Challenge: Check your own statement. If your monthly payment has spiked by more than $100 this year, drop a comment below with your state. Let’s see where the common sense is missing the most. About the Channel: Welcome to Level Headed with Rob Moon. We focus on the "Micro"—the agency you have over your own life, family, and finances—while navigating the "Macro" agendas of the world. No shouting, no bias, just practical conversations from the driver's seat. #LevelHeaded #CommonSense #SelfReliance #MortgageTips #HomeInsurance #2026Economy #RobMoon