Builder misrepresented our property taxes at closing and now we’re $11k in the hole. Advice? We bought a house in Texas in August 2025 and we are currently dealing with a massive financial nightmare because our builder and lender misrepresented our 2025 property taxes. Weeks before closing, the lender (MTH Mortgage) explicitly told us in writing that our home was being assessed as **"just land"** for the 2025 tax year. They even promised our monthly payments were structured specifically to **"make sure the payment doesn’t shoot up"** the following year. The problem is that under Texas law, tax status is based on whatever was physically on the lot on **January 1st**. Since the builder, Meritage had a nearly completed home sitting there on New Year's Day, the county **billed us for a fully improved property not "just land".** Meritage gave us a tiny tax credit of only **\~$350** at closing based on a **$22k land value**, but the actual bill came in based on a \~**$430k house value**.…