From what I know of mortgages, they can be fixed or adjustable. I thought the fixed ones stay the same during the life of the loan. For example: 3% for 30 years. The adjustable ones start at one rate and then can adjust over a period of time so they can sky rocket up to an amount you may not be able to pay.

I haven’t heard of a mortgage payment changing due to bad credit, but I’m not an expert. You could go into the bank who issued the mortgage and ask them directly, rather than taking your husband’s word. Maybe they tacked on many fees due to late payments and that is why you are now paying much more?

Maybe they started escrowing your taxes? Rather than you paying your property tax yourself, they can collect it as part of the mortgage payment. I’m just guessing.