<prompt> Human: Hi.I need some advice. Currently in a 30y mortgage. Its been 2 years, today I got a letter that the payment changed and added 786, they said because the house appraisal was done when it was in construction and now that the house is completed I am paying the right amount of taxes. This gets me totally off balance since is money that I dont have.. they said the amount is set for 12 months since I only owe less than 9,000... Thanks.  <response>: You now own an extra 790 year due to taxes yes? Thats how it goes man. Youll also have to pay more as your home insurance increases and they have nothing to do with your mortgage really 