AFIC Gives Back to the Texas Community


American Finance & Investment Co., Inc (AFIC) and its subsidiaries have been operating in Texas since the 1940s, providing financial services, and more recently, property tax loans to countless individuals and companies and giving back to our community. Learn about the history of AFIC and its philanthropic and charitable ventures to give back and support the Texas community and future generations.

History of AFIC

Texas has a long history of property tax lending, dating back to the Great Depression when lawmakers began tightening tax policies. AFIC is a multi-generational, family-run company, previously led by former Chairman of the Board Jack Eisenberg, son Cliff Eisenberg, and now by grandson Ernest Eisenberg. Founded in 1946, American Finance & Investment Co., Inc. (AFIC) started by serving the financial needs of El Paso and has since grown to become one of the top property tax lenders in the state of Texas, with a complaint-free track record for over 65 years with the Better Business Bureau.

As a member of the Texas Property Tax Lienholders Association (TPTLA), AFIC has played a strong leadership role in the property tax industry here in Texas. The TPTLA was founded to raise awareness for the property tax loan industry and promote high standards of behavior for its members.

How AFIC Gives Back to the Texas Community

AFIC not only aims to be a leader in the Texas property tax loan industry but takes great pride in giving back to the greater Texas community, serving in a leadership capacity in numerous philanthropic and local religious institutions.

Furthering the education of El Paso students pursuing business education, AFIC is privileged to have established the Jack Eisenberg/Coca-Cola Endowed Scholarship Fund at the University of Texas at El Paso and the Interstate Capital Scholarship at the University of Texas at Austin, McCombs School of Business.”My grandfather was very invested in providing educational opportunities to local, hardworking students. He thought it important to give students the opportunity to further their business education, and it’s something we delight in and will continue to support,” explains Ernest Eisenberg.


In addition to supporting the education of the next generation of business people, AFIC gives support to those in need and general community support. Here are just some of the charities, resources, and endowments that AFIC contributes to:

Charitable Support

  • El Pasoans Fighting Hunger
  • El Paso Children’s Hospital - Children’s Play Area
  • United Way of El Paso


  • El Paso Children’s Museum - Weather Exhibit
  • El Paso Holocaust Museum

Higher Education

  • Doris F. Eisenberg Library - Texas Tech University, Paul L. Foster Medical School
  • Jack Eisenberg Foyer - Larry K. Durham Center, The University of Texas at El Paso
  • Texas Tech University Foundation
  • Eisenberg Family Ticket Center - The University of Texas at El Paso


  • Red McCombs School of Business, The University of Texas at Austin
  • Paul Foster Medical School, Texas Tech University

Religious Institutions

  • Doris F. Eisenberg Garden of the Living - Congregation B’nai Zion


  • El Paso Community Foundation Endowment
  • YMCA Weight Room - West El Paso
  • El Paso Jewish Community Foundation Endowment
  • Jewish National Fund

AFIC is proud to have been awarded the prestigious Family Business of the Year award from the University of Texas at El Paso in 1999.

We Provide a Solution for Property Owners Owing Property Tax in Texas

We offer our clients an affordable, hassle-free way to ensure that your account with the local government tax office is paid in full and will work out a manageable repayment plan for you. AFIC can provide you with an instant quote by completing the form on our homepage. For qualifying properties, we can help you pay off your delinquent taxes and offer you the following benefits:

  • Quick and completely online process
  • No money down
  • No credit check
  • Free 30-day rate match
  • Match competitors and beat their rate by 1%
  • Avoid high penalties and foreclosure

We pride ourselves on finding solutions to suit the unique needs of our clients. If you would like to discuss our property tax loans, please contact our experienced team at AFIC today.

Ernest Eisenberg

Ernest Eisenberg, President of American Finance & Investment Co., Inc. (AFIC), brings a wealth of expertise in non-traditional financing, including property tax loans and non-bank mortgage solutions. His vision is characterized by a commitment to offering flexible financing solutions to Texas property owners.

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Rates as Low as 8.0% (8.51% APR*) $25,000 loan,
$750 in Closing Costs, 120 Monthly Payments of $303.32

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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, Pharr, Hidalgo County, & Cameron County), San Antonio (Bexar County), Waco (McLennan County) and the rest of Texas with Property Tax Loans.

APR between 8.0% and 25.0% for loan terms between 12 and 120 months. For example 8.5% APR, $25,000 loan, $750 in Closing Costs, 120 Monthly Payments of $303.32.


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

OCCC License #159698 • NMLS #1778315, 2421751