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help my payment is changing and my lender told me I dont have an adjustable rate loan what happened Im getting this question all the time I have a fixed rate loan why the heck does my payment keep changing well most of your payment is fixed even if you have a fixed rate loan your payment is going to change every single year because your payment includes your property taxes and your home insurance we all know Insurance can change every year mine keeps going up and we all know property taxes can change every single year mine keep going up too so because your insurance changes every year and your property taxes change every year your payment will change every year even if you have a fixed rate loan