I have my property taxes wrapped up in my mortgage. My property was asessed too high this past year, as I have a bit of foundation damage. I missed the deadline to dispute it, but I made a verbal dispute with he assessors office. My mortgage typically goes up every year based on the higher assessment. The assessors come out in January for the next yera. I want to pay a lower assessed rate before I get a mortgage increase which typically takes place at the end notice of increase of the year. How should I dispute my mortgage increase?