Is it Possible to Avoid Paying Property Taxes in Texas?


Texas property taxes are an unavoidable reality for all homeowners in the state. At some point, almost every Texas property owner has asked: “How can I avoid paying property taxes in Texas?” American Finance & Investment Co., Inc (AFIC) provides the answer, but it is not a straightforward one, nor is it likely to be the answer you want to hear.

Tax reductions for some people

Texas property owners have been asking for relief from property taxes for years. The problem is that any decisive action towards property taxes can’t be taken at the state level since they are set and collected by municipal authorities who rely heavily on them for revenue. As a result, you have to face the fact that property taxes will never go away. Exceptions have been made for seniors, disabled people, and veterans, but even in those cases, taxes are reduced, not removed completely. The majority of property owners are required to pay their property taxes without any hope for reductions, rebates or deferrals.

In fact, failure to pay your property tax can result in your property being seized and sold at auction. There are some protections available for the elderly and the disabled, but even in these cases, taxes are not eliminated entirely. All that happens in these special situations is that the property is protected against seizure - the taxes may be deferred, but they will still have to be paid. If you are among these protected groups, you can defer your tax payments for a long time, but they do not go away. All that happens is that your tax bill continues to grow over time, with penalties and interest rapidly making the balance grow out of control.

In short, nobody gets to avoid Texas property taxes. Some homeowners are protected against the most drastic consequences of non-payment, but payment is always expected nonetheless. So the best you can do is look for a way to make paying property taxes more manageable.


Property Tax Loans Are an Easier Option

After facing the hard truth that Texas property taxes can’t be avoided, you may wonder what your alternatives are. You may have been racking up an astronomical tax bill for an extended period of time. The longer you leave it, the more impossible it becomes to pay it off. A property tax loan from AFIC can help. We’ll settle your tax bill immediately, and then you can repay the loan on terms that are achievable according to your budget and schedule. This way, you don’t avoid the property tax, but you get to pay it on your terms.

About AFIC

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 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.

Loans For Your Unpaid Property Tax
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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.

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