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5 Things to Know Before Getting a Property Tax Loan

property tax loan

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.

#1 – There are Good Tax Loan Companies and Bad Ones

Unfortunately, there are many unethical businesses that prey on people in desperate situations – and the tax loan industry is no exception. Before you sign for a property tax loan, research the company extensively yourself. Look for a company that is well-established, with a reputation you can check and testimonials you can review. A good indicator to look for is their ranking on the Better Business Bureau, a website dedicated to helping the public find businesses you can trust.

#2 – You Can and Should Look for a Competitive Offer

Taking out a property tax loan is about doing business and, as a result, you should look for a company who wants and deserves your business. Look for competitive offers that include incentives like no payments for up to 60 months, interest-only payments for a set period of time, and escrow protection. A good tax loan provider will match any competitor’s offer and will come to you to make the process as simple and accessible as possible.

#3 – Property Tax Loans Can Apply to Commercial and Residential Properties

Property taxes are incurred by both residential and commercial properties, and a good loan provider will offer loans for both. This will allow you time to get back on your feet and improve your cash flow regardless of what type of property tax you owe, protecting your home and your business from foreclosure.

#4 – A Property Tax Loan Can Prevent or Stop Foreclosure

The county tax office has a right to foreclose on your property if the taxes are not paid. However, even if foreclosure is on the horizon, a property tax loan can stop the process. These loans can sometimes close the same day (many residential accounts however, will have a 3 business day waiting period), and the lending company will settle your account with the tax office in full, including outstanding taxes, penalties, legal fees and interest. This will immediately stop foreclosure in Texas and prevent you from losing your property.

#5 – The Sooner You Get Your Property Tax Loan, the Better

Delinquent property taxes in Texas mount up quickly, with interest and penalties being applied on a regular basis to your account. This can quickly spiral out of control and make them even more challenging to pay. The best way to prevent owing the county tax office thousands of dollars in taxes, penalties, legal fees and interest is to get a property tax loan as quickly as possible if you are unable to pay your account. While a property tax loan does include interest for the loan provider, this is minimal in comparison to the penalties and interest that will be applied to your account. The loan will pay off your account in full, and can be structured so that your monthly payments are very manageable, allowing you to get back on your feet easily.

To find out more about our property tax loans or to get financial assistance to pay your delinquent property taxes, please contact us today at American Finance and Investment Company, Inc. (AFIC) or fill in the form below.


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Proudly Serving Austin (Travis County & Williamson County), Dallas (Dallas County), El Paso (El Paso County), Fort Worth (Tarrant County), Houston (Harris County, Fort Bend County, & Montgomery County), the Rio Grande Valley (Mcallen, Phar, Hidalgo County, & Cameron County), San Antonio (Bexar County), Waco (McLennan County) and the rest of Texas with Property Tax Loans.

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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