hi there,
It possibly sounds like you didn't map your uv's first. If you are using polygons, the UV's need to be mapped inside the 1:1 image map. If you never done uv mapping, you can do a search in here as well as google which you would want to lookup unwrapping uv's.

As for the reflections, this sounds like you applied a blinn material or I think there is also PhotonE material that would do the samething. I don't know too much about photonE materilas but a blinn material has extra attribute channels that allows your objects to have reflections and/or be shinny where as a lambert is a standard material node. IMHO, I would go for a lambert for your mountians which should not create any reflections.