THE 4% REBELLION MANIFESTO
OUR REALITY
We live in homes built by our labor, our time, our sacrifice-yet we are held hostage by an economy that treats housing not as a human right, but as a profit engine.
A mortgage at 7.125% in a time of record corporate profits is not a partnership. It’s extraction.
OUR STAND
We submit payment at 4% not because we are unwilling, but because we are unwilling to comply with injustice.
- 4% is our line in the sand.
- 4% is not charity-it’s fairness.
- 4% is the rebellion.
WHAT WE REJECT
- The weaponization of interest rates.
- The commodification of shelter.
- The illusion that “the market” is neutral or moral.
WHAT WE DEMAND
- Renunciation of predatory housing practices.
- Reform of lending systems that prioritize profit over people.
- Renewal of community-based, cooperative, and affordable housing models.
- Revolution in how we think about value, ownership, and dignity.
Our Statement
We are paying 4% because:
- We will not be overcharged for the right to exist.
- We reject an economy that serves the wealthy and devours the working.
- We are fighting for housing justice—not just for ourselves, but for everyone.
- This is nonviolent civil disobedience.
- We are not asking for favors. We are demanding fairness.
Frequently Asked Questions
No. We’re paying what’s fair-not what’s exploitative. The true theft is systemic.
Possibly. But we’d rather risk credit than surrender our principles. This is civil resistance, not convenience.
Because 4% is historically reasonable and sustainable. It’s a symbolic and practical stance-against profiteering and for justice.
To expose the moral bankruptcy of housing-as-commodity, to push for policy and economic reform, and to inspire others to resist unfair systems