I agree, I was just letting them know that a mortgage not going to stay at the same price throughout the entire length of the loan regardless of how it's set up.

It could also decrease, like if there's a massive housing value crash and your house is now worth 20% of what you paid for it, then upside is your property taxes should also only be 20% of what they were.

And the only reason why I even thought to share was because I myself was shocked when my mortgage increased after the first year, even though it was only like 60 bucks, I was like, man, I thought a mortgage was not supposed to change.