What’s Really in Your Mortgage Payment — and How to Save Major Money. Most people only look at the mortgage interest rate — but that’s not what’s draining their bank account every month. Your payment is actually a combo of principal, interest, taxes, insurance, PMI, and possibly an HOA. 🤯 And here’s the hack: Older neighborhoods in Wheat Ridge, Arvada, and Lakewood often have lower mill levies and no HOA, which can save you a TON every month. 💸 Want to know what your payment would look like in