A Guide to Delinquent Property Taxes and How You Can Pay Them


For homeowners, unpaid property taxes can be a financial burden. Property tax arrears can result in fines, interest, and even the possibility of losing your home. The length of time you can go without paying property taxes, your options if you can’t, and the significance of applying for assistance through property tax relief programs are all covered in this blog post. Consider contacting American Finance and Investment Co., Inc. (AFIC) for professional advice and a loan quote if you are in a difficult circumstance.

How Long Can You Go Without Paying Your Property Taxes?

Property tax payments are often required annually or semi-annually, depending on the locality. Confirming any deadlines with your local tax office or assessment district is critical. You might, however, be charged penalties and interest if the due date has passed. Property tax arrears must be promptly resolved because failure to do so can cause delinquency.

If you find yourself unable to pay your property taxes on time in Texas, exploring the following options can provide some relief.

Investigate Exemptions and Deferral Options in Your County

Every county in Texas offers various exemptions and deferral programs aimed at easing the burden of property taxes for eligible residents. Investigate these options to see if you qualify for exemptions based on age, disability, or veteran status. Additionally, some counties provide deferral programs, allowing you to postpone a portion of your property taxes until a later date.

Determine Your Eligibility for a Payment Plan

Many Texas counties offer flexible payment plans that enable you to spread out your property tax payments over a period, making it more manageable for your budget. By opting for a payment plan, you can avoid the immediate financial strain and ensure you fulfill your tax obligations without financially overwhelming yourself. County payment plans generally are not always that friendly. They typically are limited to your homestead, may be utilized not more than once a year, have short terms with high payments, statutory interest, and the potential to retroactively include penalties for missed payments. Contact your local county tax office to inquire about the available payment plans and find the one that best suits your needs.

Pay With a Credit Card

A temporary fix might be to pay your property taxes with a credit card. But remember that credit card interest rates can be high, and keeping a balance could result in further debt.

Borrow from Family or Friends

Think about asking loved ones or close friends for short-term financial support. To prevent strained relationships, establish a payback schedule and keep your word.

Find a Reputable Property Tax Lender

Property tax lenders like AFIC are experts in giving homeowners loans to pay back past-due property taxes. These loans can provide a sensible repayment schedule, help you avoid penalties, and safeguard your property.

Exploring these options can provide much-needed assistance for those facing challenges in paying their property taxes in Texas.


What Happens if You Default on a Payment?

Know the repercussions of breaking a payment arrangement. Additional fines and interest may be assessed as a result.

Can You Still Qualify for Property Assistance if You Are Delinquent?

Even though your taxes are past due, there are some situations where you may still be eligible for assistance programs for paying property taxes. These initiatives are designed to assist financially struggling individuals. It’s crucial to inquire about eligibility and application procedures with your local tax authority or assessment district.

Is Property Tax Assistance Available to Low-Income Homeowners?

Numerous states have programs to help low-income households with their property taxes. Relief from these programs may come from exemptions or decreased tax obligations. Make careful to enquire about the aid offered in your area, as eligibility requirements differ by state.

It is Important to Pay Your Property Taxes as Soon as Possible

Delaying the payment of property taxes can have a significant financial impact, including increased interest and fines. Additionally, it can put your property ownership in danger. To safeguard your financial stability and property ownership, prioritize paying your property taxes.

Get Support from AFIC

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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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.

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