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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.

Many Texans have lost their jobs and now find themselves struggling to make ends meet. For those Texans who are property owners, they must now deal with the fast approaching deadline to pay property taxes. The consequences for a property owner who cannot pay the property taxes owed can be extreme, both financially and emotionally, but a property tax loan can provide relief.

Not Paying Property Taxes Results in Expensive Penalties or Foreclosure

Falling behind on your property taxes in Texas can lead to significant amounts of penalty fees and payments which will only increase with time. Starting on February 1st, property owners who have delinquent taxes are charged 7% in interest and penalties in most counties. This increases by 2% every month until July 1st, when the taxing authority in most Texas counties will hit you with a 20% collection fee and an additional 3% in penalties and interest. Thereafter, interest accrues at 1% per month

There is no cap on the Interest and property owners will continue to see their penalties and interest rise each month. In the first year alone, penalties, fees, and interest can approach 44%. In the worst case, this could ultimately lead to losing your property to foreclosure, destroying your hard-earned equity.

What are the Benefits of a Property Tax Loan?

In Texas, property owners are able to choose the company that provides them with a property tax loan. Getting a loan offers significant benefits to property owners struggling to pay their property taxes:

  • The accumulation of penalties, fees, and interest will stop
  • Foreclosure or lawsuits from the county are avoided
  • The ability to obtain more flexible and less costly repayment terms
  • Relief and peace of mind for property owners

If a property owner is delinquent on their property taxes, a property tax loan from a property tax lender can provide immediate financial and emotional relief. You and the lender will negotiate agreed upon terms, and the lender will pay your obligation to the county or applicable tax office. The governmental tax lien on your property is transferred to the property tax lender, and you will begin to pay the lender pursuant to your agreement.

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A Solution for Property Owners Owing Property Tax in Texas

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.

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 an easy repayment plan for you. AFIC can provide you with a quotation within a minute by completing the form on our homepage. We can help you pay off your delinquent taxes, and offer you the following benefits:

  • Quick, 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.


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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.

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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