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Property Tax Risks for the Texas Hospitality Industry and How to Mitigate Them

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Texas’s hospitality industry has had a harrowing journey through COVID-19, with many businesses hit yet again during the 2021 Texas Power Crisis. Hotels, restaurants, and other businesses in this sector face risks associated with their property taxes when catastrophic events bring businesses to a near halt. This blog post will examine some of the risks businesses in this sector may face with their property taxes and what steps owners can take to mitigate them.

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Tips to Avoid Property Tax Foreclosure in Texas

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Every year, property owners in Texas must pay their property taxes on time to avoid costly penalties and interest. These costs can approach 43% in the first year alone, and there is no cap on interest that is charged on delinquent taxes. Owners who continue to be outstanding on their property taxes can face property tax foreclosure. Here we will look at strategies Texans can use to avoid property tax foreclosure and protect their home.

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The History of Property Tax Lending in Texas

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In Texas, lawmakers started tightening tax policies and improving tax collections at the end of the 19th century. Unfortunately, they lost much of the progress made during the Great Depression in the 1930s. Around this time, property tax lending in Texas started its long history to help struggling property owners avoid foreclosure. Today, new regulations have been made to protect consumers and homeowners, making property tax loans a powerful product for preventing foreclosure.

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When is a new homeowner liable for property tax in Texas?

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When buying a new home in Texas, you will become responsible for any taxes not paid after the closing or unpaid taxes that preexist closing. It is critical that your realtor or lawyer contact the county title office to determine if there are any tax liens on the property to correctly calculate how much property taxes you and the seller will owe upon closing. Here we will look at who pays property taxes and an example of how property taxes are prorated.

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How Is My Property Value Determined in Texas?

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When your county determines the amount of property taxes each property owner will be paying, they use the set tax rate and the property value ascertained by the county appraisal district. Here we will be looking into how property is appraised in Texas and the three commonly used methods when valuing a property. We will also review what you can do to evaluate if your property was valued correctly and how this can affect your property tax bill.

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If My Texas Property Gets Foreclosed on for Taxes, Can I Buy it Back?

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Foreclosure is the legal process that a lender initiates to attempt to recover the balance of a loan in the case where the borrower has failed to make the scheduled payments. There are multiple reasons why your home could be foreclosed, from not paying your mortgage or defaulting on home equity loans.

We shall focus specifically on a property tax foreclosure, where the local government initiates a foreclosure once property taxes have become delinquent. This particular foreclosure is a judicial foreclosure, which is a long process, allowing you opportunities to save your home before, during, and even after the foreclosure sale by “redeeming” your property.

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When are Texas Property Taxes Due?

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Property taxes may come in the form of an annual tax statement, but several dates are important for homeowners to take note of throughout the year. Key dates include when taxes are due and when penalties and interest will begin to accrue on any delinquent taxes. Continue reading to learn about some key property tax dates and payment options that are available to property owners in the state of Texas.

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Texas Property Tax Glossary

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Property taxes are taxes paid on property that either individuals or corporations own. Property taxes are based on the property’s assessed value and many consider them a regressive tax. These taxes are used to fund services such as schools, law enforcement, fire protection, education, road and utilities, and other community services.

Texas has no state property tax. Local governments such as counties set the tax rates and are responsible for collecting the taxes used to provide services in their locality. Here is a list of terms and definitions that you will come across when learning about the Texas Property Tax. You can learn more in the Texas Property Tax Basics guide.

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How is My Texas Property Appraised?

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How much property tax you will owe each year is determined by the tax rate set by the county the property is in and the value of the property. The process of valuing a property is called an appraisal and is managed by the county appraisal district. Here we will examine how property appraisals are conducted in Texas and the options you have if you disagree with how your property was valued.

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What Happens After I No Longer Qualify for a Property Tax Deferral in Texas?

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A property tax deferral is a useful tool available to qualifying Texans that can be used to defer or delay when they have to pay their property taxes to the government. But there are circumstances in which those who once qualified will no longer be able to defer their taxes. Here we look into what a tax deferral is, who can get one, and what happens when you no longer qualify for a deferral. We will also discuss what you can do when the deferred tax and accrued interest are due for payment.

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What is a Tax Lien Foreclosure?

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A tax lien foreclosure is when the government forecloses on a property because the owner has failed to pay their property taxes. Texas has some of the highest property taxes in the country, resulting in many people not being able to afford to pay. When a property owner in Texas fails to pay what they owe, the government enforces their tax lien. The lien serves as a legal claim against the property for the unpaid amount the owner owes in taxes.

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What to do during a property tax collection lawsuit in Texas

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Are you going through a property tax collection lawsuit in Texas? Property owners in Texas are subjected to some of the highest tax rates in the country, and following the economic and financial uncertainty we experienced last year, it’s no surprise that many people across the state are struggling to afford their expensive property taxes.

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What happens to those who cannot afford their property taxes

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As any property owner knows, property taxes are an annual expense that goes hand in hand with property ownership. But with the recent COVID-19 pandemic, many Texans may find themselves in the position where paying their property tax this year is something they cannot afford.

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A Loan To Pay Property Taxes Can Provide Fast Funding & Help You Avoid Penalties

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With the recent COVID-19 pandemic this year, the economy has been hit hard, and unemployment reached record highs in Texas. According to the US Bureau of Labor and Statistics, unemployment in Texas at the end of 2020 was around 7% compared with 3.5% before COVID-19.

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Who Faces Difficulties Affording Their Property Taxes?

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Covid-19 has created a debilitating global financial landscape, but a greater number of Americans say that they have experienced a negative economic impact than people in other countries.

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What Do High Property Taxes Mean For Property Owners In Texas?

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Despite the ripple effect that the global pandemic has set into motion and the related financial uncertainty it has created for many, home prices have soared in Texas.

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I Lost My Job Due to Covid-19 And Need Help Paying My Property Taxes

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At least 3.7 million Americans lost their jobs during the global Covid-19 pandemic, with many wondering how they’ll be able to keep up with bills, living costs, and property taxes.

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Will Property Taxes Fall Due to Covid-19?

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With Covid-19 throwing the world into tumultuous and uncertain territory, many homeowners and business owners are concerned about property taxes during this time.

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When Can You Get a Property Tax Loan?

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Many people consider a property tax loan as a last resort if they are struggling to pay their account, thinking that it is only available under certain circumstances. Here, we’re talking about when you can get a property tax loan in Texas, so you can make an informed decision more easily.

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5 Things to Know Before Getting a Property Tax Loan

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A property tax loan can help you pay off your taxes when you’re having cash flow problems. Here are some important things you should know before you apply for a loan.

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Tax Assessment vs. Appraisal Value and Property Tax Appeal

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Counties, municipalities, and cities impose property taxes on homeowners. The funds from these taxes get used by the local government for various purposes, such as schools and public safety. For homeowners, it’s essential to know the value of your home and how it gets calculated. Most homes have an assessed value and appraised value. Tax assessed values are used only by the property tax authority of your county or municipality to calculate the property tax bill. Tax jurisdictions determine the tax rates and the methods used to assess the properties.

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Commercial property taxes in Texas and how it works

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The commercial property taxsystem in Texas can be complicated, and Texas is known for having some of the highest property tax rates in the country. But why are property tax rates in Texas so high, and how are they determined?

One reason property taxes in Texas are so high is that every year, the state requires more tax revenue to support economic and population growth. A bigger economy and a rapidly growing population mean that the state of Texas consistently experiences an increased demand for things like schools, building new roads, healthcare, and other public services and infrastructure. Because of this demand, commercial property owner’s taxes often get more expensive every year, even if the rate doesn’t change, as the generally robust Texas economy increases property market value on which property taxes are based.

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The Impact of COVID-19 on Commercial Property Taxes

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Commercial property owners and investors in Texas are in a tough situation when it comes to paying their property taxes, mortgages, and mortgage interest. COVID-19 has drastically changed life for all Texans, and millions of people have been left wondering how they will recover financially from months of lost rent income. Adding to this financial strain felt by so many, commercial property appraisal notices have been sent out across the state, and commercial property owners are still expected to pay their property taxes on time.

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Property Taxes and COVID-19

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If you pay property tax in Texas appraisal districts, you are understandably wondering what will happen amidst the COVID-19 pandemic. Texas is known for its high property taxes, among the highest in the country, yet millions of people across the state have been unable to earn an income since the lockdown began. For property owners who face penalties and other late fees if they’re unable to pay their 2020 property taxes, this situation is stressful and confusing. Some Texas lawmakers are working to put in place some type of relief. Each taxing unit decides if it will offer the exemption and at what percentage.

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When will my property be foreclosed on if I am delinquent, and can I buy it back?

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If you owe delinquent property taxes, then you are at risk of foreclosure. Your taxing office will have control of your property tax lien until you can pay, and if you fail to pay, they can sue you, get a judgment against you, and then have your house sold at the public auction to the highest bidder.

As part of the foreclosure process, before Texas starts selling your home, they must give you at least 30 days’ notice of a court hearing about the foreclosure sale. The notice must inform you about the place, date, and time of the trial.

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How fast can I get a property tax loan?

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There are thousands of homeowners who are unable to pay the full amount of their property taxes on time. As a result, they are forced to pay hefty amounts in penalties and fees. Your first legal collection penalties, typically in July, can amount to 20% (on top of an additional 18% paid in interest and other penalties, for a total of 38% as of the first business day in July); if you fail to pay, you will receive collection letters that threaten foreclosure and lawsuits. To avoid this process from getting out of control, you can find relief through fast loans for property taxes with American Finance & Investment Co., Inc. (AFIC).

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What’s the most important feature of a property tax loan?

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A property tax loan is when property tax lenders pay your taxes and in return work out with you an affordable repayment. This allows for residential and commercial property owners in Texas to bypass penalties, interest, and legal fees on their delinquent property taxes. The Tax Collector transfers the tax lien to the property tax lender, providing the lender with security and ensuring they are paid under the payment plan.

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What is a Property Tax Deferral?

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If a homeowner is a senior citizen who is 65 years of age or older, a disabled veteran, or has a disability, that person will have eligibility according to the Texas Property Tax Code, Section 33.06, which allows for real estate tax payments to be discontinued by offering tax deferral programs. A property tax deferral stops collection efforts on the residence homestead’s property taxes until the property no longer qualifies as the residence homestead.

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I Inherited a House or Property With Taxes Owed, What Do I Do?

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Leaving a property to a loved one in a Last Will and Testament is a wonderful gift, but it can result in some costs and complications when property taxes are owed on that home. Here’s a quick guide to what to do when you inherit a home and the implications of property tax in Texas from property tax loan specialists.

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What Are the Penalties for Non-Payment of Property Taxes?

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Penalties for outstanding property tax bills in Texas are severe and, therefore, it’s important to pay delinquent property taxes as soon as possible (even if you have to use a loan or property tax solution) to avoid these costs building up. Below is a breakdown of penalties for delinquent property taxes as they are applied by local government. This info is published by one of the leading property tax loan companies in Texas, American Finance & Investment Company, Inc. (AFIC).

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Who Should Get a Property Tax Loan?

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The simple answer to this question is “Anyone under 65 who is having trouble paying property tax in Texas”! But, it’s helpful to get a bit more insight into who would benefit from a property tax loan and who you should turn to for professional property tax help.

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How Does a Property Tax Loan Affect My Existing Financing?

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Each year, thousands of Texas property owners struggle to pay property taxes and, thus, run the risk of heavy delinquency penalties setting back their financial situation. Here, a property tax loan provides an invaluable service by covering your total property tax bill and preventing further penalties or even the risk of losing your home. But how does a loan to pay property tax bills affect your existing financing?

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A Guide to Delinquent Property Tax Penalties in Texas

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If you, as a homeowner in Texas, have failed to pay your property tax bill by January 31st, 2020, you will be subject to penalties, additional interest, and fees that are collectively known as delinquent property taxes. Here’s a quick guide to how delinquent property taxes in Texas work and the best solution to minimize these penalties.

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Struggling to Pay Your Property Tax? Here's What to Do

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This year, Texas property taxes are due on Friday, January 31st, 2020. For many homeowners, paying property taxes is not easy, especially after the financial pressure of the holiday season. If this is the position you find yourself in, there are property tax solutions available to help you to pay on time and, thus, to avoid costly penalties, interest, and collection fees. Here’s what to do from the team at American Finance & Investment Company, Inc. (AFIC), property tax loan experts, and one of the most trusted providers of financial services in Texas for over 70 years.

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I Can’t Pay My Property Taxes! What Do I Do?

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The festive season is over and, as all property owners in Texas know, it’s time for tax season. If you have found yourself in a position where you cannot pay your property taxes, it’s important to know what your options are. Here is some advice and insight from American Finance & Investment Company, Inc. (AFIC), the specialists in property tax loans in Texas.

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Can I Get a Property Tax Loan Before Feb 1?

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Property taxes in Texas are due on January 31st, 2020 - right after the Christmas holiday season. And, with some of the highest property tax rates in the country, many property owners are struggling to get enough funds together to pay their bills. One question that property tax lenders in Texas often get asked is “Can I get a property tax loan before Feb 1st?”. Here’s some helpful advice.

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This Advice Will Help You Lower Your Property Taxes

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With some of the highest property taxes in the US, few homeowners in Texas enjoy seeing their property tax bill arrive in the mail. While many people do their best to save for this annual bill, it’s also important to stay aware of the ways in which you can reduce your property taxes so that you’re not paying more than you should. Here is some advice from American Finance & Investment Company, Inc. (AFIC), one of the leading property tax loan companies in Texas.

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How to Make the Best Use of Your Property Tax Loan

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Even if you have the best intentions, you may find yourself in a position where you cannot pay your property taxes when the invoices are sent out. After all, it’s easy for your savings for your tax bill to be used up in the event of an illness or hospital emergency, to pay off vehicle repairs or even to support you in hard times or job loss.

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Tips for Choosing a Property Tax Lender

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If you’re a homeowner or business property owner who is struggling to pay your property tax bill in Texas, you may be considering assistance from local property tax lenders. As with any loan, it’s essential to choose a provider that offers ethical, affordable property tax loans and conducts itself in accordance with all applicable federal and state laws. Here are some tips on how to choose the right company for your residential property tax loan, from the American Finance & Investment Company, Inc. (AFIC) team, one of the leading property tax loan companies in Texas.

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How to Apply for a Property Tax Loan

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Property taxes in the State of Texas are some of the highest in the USA, largely because there is no income tax. However, this does leave many homeowners in a difficult position when this large lump sum is due to be paid to your local government by the deadline of January 31st.

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How To Pay Property Tax in Texas?

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Property taxes in Texas are some of the highest in the USA. And, with taxes due on January 31st as the closing date of the tax year – just after the festive holiday season - it’s essential for homeowners to prepare for these costs The amount owed every year will depend on the assessed value of your property. Penalties will start accruing from February 1st or the first business day in February should the 31st fall on a weekend. Here’s a guide for property owners on how to pay property tax from American Finance & Investment Company, Inc., (AFIC) the property tax loan specialists.

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Can I Get My Property Back After a Tax Foreclosure Sale?

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Foreclosure is a legal process that will begin in the event of property tax delinquency and any interest or penalties associated with your property tax bill. The tax sale process involves several steps, including public auction bidding that ends with the foreclosure sale of the home to the highest bidder. However, this doesn’t mean that you can’t get your home back after property tax foreclosure is complete. Here are some insights into your options from the American Finance & Investment Company, Inc. (AFIC) team, one of the leading property tax loan companies in Texas.

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How Does Property Tax Collection Work in Texas?

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Texas isn’t known for high taxation levels with one exception – our property taxes. The property taxes are among some of the highest in the country, at an average of 2.18% of the estimated value of your home for the state of Texas as a whole. If you’re new to the state or you’re a new property owner, you’ll need to get to grips with the basics of this system. Here is a quick guide from AFIC, one of the leading property tax loan companies in Texas:

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This is How the Government Uses Your Property Taxes in Texas

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Every year, property owners in Texas receive a bill from the government containing their property taxes, which are based on the estimated value of their property. Because our state’s taxes are among some of the highest in the country, it’s common for property owners to ask, “Where do my property taxes go?”. Here is some insight from AFIC, one of the leading property tax loan companies in Texas:

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How to Stop Property Tax Foreclosure

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All homeowners in the USA have to pay a certain amount of tax to their local government as property tax. Here, these taxes are amongst the highest in the country, which means that it’s easier to find yourself in a position where you’re unable to pay – especially when you are burdened with additional penalties, known as delinquent property taxes in Texas. This can result in your home facing foreclosure, a process whereby your real estate property can be sold through a court-ordered foreclosure auction to cover your tax bill. Here is some insight into tax foreclosure sales and how to avoid foreclosure by paying your property taxes.

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Do I Have Personal Liability for Not Paying My Property Taxes?

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Property taxes are set by local government and because these funds go into their budget, they have powerful tools to use to collect property taxes and penalize late payments. Here, property tax solutions specialists discuss how non-payment of these taxes can affect you personally, whether it’s regarding your home property taxes or commercial property taxes.

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3 Reasons Why Property Taxes are Higher in Texas?

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How Much Are Property Taxes in Texas?

According to recent research, the property tax rate in Texas is one of the highest in the USA, with property owners paying around one-third more than the national average. Here are 3 reasons why property taxes are so high in Texas.

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Here's What You Need to Know About Property Tax Loans in Texas

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Property taxes often arrive at a time when you can least afford it - and it can easily seem like you could lose your home or business premises as a result. Here is some important information about property tax loans in Texas, including residential and commercial property tax loans, so that you can make an informed decision about your financial interests.

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YOUR TAX OFFICE MAY OFFER DELINQUENT TAX INSTALLMENT PLANS THAT MAY BE LESS COSTLY TO YOU. YOU CAN REQUEST INFORMATION ABOUT THE AVAILABILITY OF THESE PLANS FROM THE TAX OFFICE.

If you are over 64 or disabled, don’t get a property tax loan, contact your tax office about a deferral.

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