Best Property Tax Lenders in Texas: How AFIC Compares

Not all property tax lenders in Texas work the same way. This page compares five of the most established lenders in the state on the points that matter most when you are choosing one: how long they have been in business, their Better Business Bureau record, their rate guarantees, their loan terms, who owns them, and how many names they lend under. AFIC has been lending in Texas since 1946. Here is how the market looks today.

How We Evaluated These Lenders

Every lender on this page is licensed by the Texas Office of Consumer Credit Commissioner (OCCC), the state regulator for property tax lenders, and actively offers property tax loans to Texas homeowners and businesses. We compared them using information each company publishes on its own website and its Better Business Bureau (BBB) profile, including the related companies and alternate names each BBB profile lists. Where a company does not publish a figure, the table says so.

Texas Property Tax Lenders Compared

The table below shows the key differences between AFIC and four of the most active property tax lenders in Texas.

*AFIC beats a qualifying written rate offer from a licensed Texas property tax lender by one percent. Conditions apply.

All figures come from each lender’s public website and BBB profile as of August 2026. Details can change, so confirm current rates, terms, and features directly with any lender before you borrow. Brand and ownership entries reflect the related companies and alternate names listed on each lender’s BBB profile and on those brands’ own websites. Johnson & Starr began lending in 2022; its BBB profile shows an earlier business start date because it acquired an existing company, as explained below.

AFIC (American Finance and Investment Co., Inc.)

AFIC was founded in El Paso, TX, on July 15, 1946, by a group of fourteen local businessmen. The company is still family-led today, with the third and fourth generation of the Eisenberg family involved in the business under Cliff Eisenberg, Chief Executive Officer, and Ernest Eisenberg, President. With 80 years of operation, AFIC is one of Texas’s longest-tenured finance companies providing property tax loans. It holds a BBB A+ rating and has been BBB accredited since 1954, longer than any other lender in this comparison has existed. In 2026, it was awarded the Better Business Bureau Legacy of Integrity Award. AFIC was also named UTEP Family Business of the Year in 1999. AFIC is licensed by the OCCC and is a member of the Texas Property Tax Lienholders Association (TPTLA), with a seat on the association’s board.

AFIC offers no money down, no credit check, and a rate guarantee that beats qualifying written offers from a licensed competitor by one percent. Loan terms run from 12 to 120 months. AFIC has served more than 25,000 Texas families and businesses, and because it lends with proprietary capital from 80 years of operation, lending decisions are made in-house and move quickly.

AFIC is independent and family-owned, and it lends under one name. There is no second brand, no separate website, and no third party between you and the company that funds and services your loan.

Key facts:

• Founded in 1946, the oldest active property tax lender in Texas
• BBB A+ rating, accredited since September 1954
• OCCC License #159698
• TPTLA member with a seat on the association board
• No money down, no credit check, and a rate guarantee that beats a qualifying written competitor rate by 1 percent*
• More than 25,000 customers served across Texas
• Independent and family-owned, lending under one name
• Offices in Austin and El Paso, TX

Property Tax Funding

Property Tax Funding was founded in 2008 and operates from Dallas. It holds a BBB A+ rating, has been BBB accredited since 2010, and reports helping more than 12,000 Texas property owners with over $500 million in property taxes funded. Borrowers can be approved in as little as 24 hours; no credit check is required, and qualifying loans come with no payments for the first 12 months. The company is a TPTLA member, and its founder has served on the association’s board since 2010. It markets to borrowers under the Property Tax Funding name only.

Strengths:

• Approval in as little as 24 hours
• No payments for the first 12 months on qualifying loans
• BBB A+ rated and TPTLA member
• Lends under a single consumer-facing brand

Compared to AFIC:

• 18 years in business vs AFIC’s 80
• No published rate guarantee; AFIC beats qualifying written competitor rates by 1 percent
• Repayment terms not published; AFIC publishes terms of 12 to 120 months
• Ownership not published; AFIC is independent and family-owned

Home Tax Solutions

Home Tax Solutions was founded in 2011 and is based in Dallas. It reports helping more than 15,000 Texas property owners. It holds a BBB A+ rating, has been BBB accredited since 2013, and is a TPTLA member; its founder currently serves as the association’s president. Borrowers pay nothing at closing, are not subject to credit checks, and can defer payments for up to 12 months if they qualify. Its rate guarantee works differently from AFIC’s: if a competitor beats its offer, Home Tax Solutions pays you $100.

Home Tax Solutions funds its lending through the capital markets. In July 2025, it announced its second securitization, HTS Fund II, with Guggenheim Securities as sole structuring agent. Its BBB profile also lists TaxCORE Lending as a related company, a second Dallas brand that lends to commercial property owners.

Strengths:

• No cash due at closing, and payment deferrals of up to twelve months for qualified borrowers
• TPTLA member; BBB A+ rated
• Funds its loans through securitizations

Compared to AFIC:

• 15 years in business vs AFIC’s 80
• If a competitor beats its rate, it pays $100; AFIC beats the competitor’s rate by 1 percent instead*
• 15,000+ customers served vs AFIC’s 25,000+
• BBB accredited since 2013 vs AFIC’s 1954
• Lends under two consumer-facing brands; AFIC lends under one
• Ownership not published; AFIC is independent and family-owned

Johnson & Starr

Johnson & Starr was founded in 2022 and is based in Austin. It is the newest company in this comparison, but its leadership team is not new to property tax lending. Chief Executive Officer Nik Stavros is a real estate attorney who specialized in tax lending collection law before founding the company, and President Andy Cahill was previously Chief Operating Officer of Hunter-Kelsey, one of the larger lenders in the state.

When Johnson & Starr launched, it also acquired Texas Tax Solution, an established property tax company. That acquisition is why its BBB profile lists a business start date of October 2012 while the company itself dates from 2022.

Johnson & Starr is not listed among the members of the Texas Property Tax Lienholders Association. It also lends in the Dallas-Fort Worth area under a second brand, Property Tax Loan Pros, whose website states that its loans are serviced by Johnson & Starr.

Johnson & Starr holds a BBB A+ rating and is OCCC licensed. It stands out for borrower flexibility. Qualifying borrowers can skip a set number of payments (a deferral), so interest continues to accrue. Borrowers who start their loan by the end of February and pay on schedule earn an annual cash rebate, with no prepayment penalties.

Strengths:

• Skip-payment option and an annual rebate for on-schedule payers
• No prepayment penalty and no application fee
• Experienced leadership team drawn from law and from other Texas lenders
• BBB A+ rated and OCCC licensed

Compared to AFIC:

• Founded in 2022; AFIC has operated since 1946
• Not a TPTLA member; AFIC is a member and holds a seat on the association board
• No rate guarantee; it offers to compare terms. AFIC beats a qualifying written competitor rate by 1 percent*
• Customer volume not published
• Lends under two consumer-facing brands; AFIC lends under one

Hunter-Kelsey

Hunter-Kelsey of Texas was founded in 2005. It reports serving more than 10,000 customers and making over 30,000 property tax loans on residential and commercial properties across the state. It holds a BBB A+ rating, has been BBB accredited since November 2005, and is a TPTLA member. Borrowers pay no upfront costs or application fees; there is no credit check, and loans carry no prepayment penalties, so you can pay the loan off early at any time.

Hunter-Kelsey’s BBB profile lists Propel Financial Services, Propel Tax, and Ovation Services as related companies. Propel Financial Services was sold by Encore Capital Group to Prophet Capital Asset Management in 2016. First National Assets lists Hunter-Kelsey of Texas and Propel Financial Services as subsidiaries on its website. The group also lends under the names Harris County Property Tax Loans, Bexar County Property Tax Loans, Central Texas Property Tax Loans, El Paso Property Tax Loans, Metroplex Property Tax Loans, RETax Funding, Rio Grande Valley Property Tax Loans, and Rio Tax.

Strengths:

• 20 years of BBB accreditation with an A+ rating
• No upfront costs, no application fee, and no prepayment penalties
• Residential and commercial loans across all of Texas

Compared to AFIC:

• Founded in 2005 vs AFIC’s 1946; AFIC has roughly 60 more years of Texas lending
• No published rate guarantee; AFIC beats qualifying written competitor rates by 1 percent*
• 10,000+ customers served vs AFIC’s 25,000+
• Sits within a group that lends under 11 brand names, plus marketing personas; AFIC lends under one name and is family owned

Why AFIC Is the Right Choice for Most Texas Property Owners

Every other lender in this comparison was founded in 2005 or later. AFIC was founded in 1946. That is 80 years of lending through every Texas cycle, downturn, and rule change the state has seen, and no other lender in this comparison can match it.

The longest track record in Texas: 80 years and four generations of Eisenberg family involvement. AFIC has served more than 25,000 Texas families and businesses, so your loan is handled by people who have seen your situation before and know how to resolve it.

The strongest rate guarantee: AFIC will take any qualifying written rate from a licensed competitor and beat it by one percent. Not match it. Beat it. No other lender in this comparison offers that.

BBB A+ rated, accredited since 1954: AFIC’s BBB accreditation predates every other lender in this comparison by at least half a century. A record that long is evidence of consistent, ethical practice, not a recent credential.

One company, one name: AFIC lends under a single brand. Several lenders in this comparison operate two or more consumer brands, so the company whose advertisement you answer is not always the company that ends up holding your lien.

**Independent and family-owned: **AFIC is owned by the family that runs it, not by an investment firm, and the decisions about your loan are made in Texas by people you can reach.

No money down, no credit check, no surprises: no upfront payment is required, no credit check is conducted, and rates, terms, and fees are explained in writing before you sign anything.

Local offices in Austin and El Paso: AFIC serves property owners across Texas in real offices, not coworking or Regus satellites, and you can speak directly with a decision maker, not a call center.

Get Started With AFIC Today

If you are behind on property taxes in Texas, AFIC can help. We offer 24-hour approvals, no money down, no credit check, and a rate that beats a qualifying written competitor offer by one percent.* Call us or get a quote online in under a minute.

About This Comparison (Page Disclaimers)

Who publishes this page: This page is published by American Finance and Investment Co., Inc. (AFIC), one of the lenders featured in the comparison.

Where the information comes from: Competitor information was compiled in good faith from each company’s public website and Better Business Bureau profile as of July 2026. Details may have changed since publication. Confirm current rates, terms, and features directly with each lender before making any decision.

Ownership and brand information: Ownership and brand entries reflect the related companies and alternate names listed on each lender’s Better Business Bureau profile, each brand’s own website, and public company announcements as of August 2026. These are reported as published. Their listing does not imply anything about how any lender operates or about the quality of its service.

Rate guarantee terms (*): AFIC will beat a qualifying written rate offer from a licensed Texas property tax lender by one percent. To qualify, the offer must be a current written quote from a lender licensed by the OCCC, for a loan on the same property, on comparable terms, and presented to AFIC before closing. All loans are subject to approval and underwriting, and certain conditions apply. Ask us for the full terms before you apply.

Not financial or legal advice: The content on this page is general information only and is not financial, legal, or tax advice. Speak with a qualified advisor about your own situation before borrowing.

Know Your Options: Depending on your situation, your county tax office may offer a delinquent tax installment plan as an alternative way to resolve delinquent property taxes. Comparing all available options can help you make an informed decision. Property owners who are 65 or older or who qualify for a disability tax deferral may also have additional options available. If you qualify for a property tax deferral, you likely will not qualify for a property tax loan. Contact your county tax office to determine which options are available and best fit your situation.

Loan terms: All loans are subject to approval. APR between 8.0% and 25.0% for loan terms between 12 and 120 months. OCCC License #159698. NMLS #1778315, 2421751, 2241203.

Trademarks: Property Tax Funding, Home Tax Solutions, TaxCORE Lending, Johnson & Starr, Property Tax Loan Pros, Hunter-Kelsey, Propel Financial Services, Propel Tax, Ovation Services, Harris County Property Tax Loans, Bexar County Property Tax Loans, Central Texas Property Tax Loans, El Paso Property Tax Loans, Metroplex Property Tax Loans, RETax Funding, Rio Grande Valley Property Tax Loans, Rio Tax, and all other company names and marks belong to their respective owners. They are used here for identification and comparison only, and their use does not imply any affiliation with or endorsement of AFIC.