🏡 There’s more to your monthly payment than just your mortgage rate. 📊 Rising escrow costs—driven by higher insurance 🔥 and property taxes 📈—are quietly impacting affordability across Colorado. 💰 Even if your rate hasn’t changed, your total payment might have. Staying informed is key 🔑 to making smart decisions in today’s market. 💬 Let’s discuss the shifting costs that could impact your affordability (whether you’re a homeowner or homebuyer).