Yikes! You're wanting to raise my monthly payment by $170 per month after 5 years. I saved for years to buy a house so I would have a stable platform for raising a family, not to get rich.

It sounds like you're just wanting to punish people who saved their money and put it in a wise investment, when actually, that's what everyone should be doing.

A stable investment is not something going up 25% a year. Taxes are 'skin in the game' for homeowners in terms of being part of a society that isn't making it impossible for many people to ever own a home.