Need a Fresh Start?: What to Do When You Want to Change Property Tax Lenders


If you already have an existing agreement with a Texas property tax lender and decide you would like to switch to a new lender, this can be done, depending on the current status of your loan.

Changing property tax lenders in Texas

Suppose you have already paid off a property tax loan and find yourself in arrears on your taxes again. In that case, you can simply approach any tax lender with your request, as you will have no obligations to your prior lender.

However, if you are still paying off your existing tax loan, the process can be more challenging.Depending on your circumstances, a lien transfer may be required from the existing lender, or in some cases, the existing lender may be paid off without their consent. Each situation is done on a case by case basis for which you need the help of your new lender. The process from your side, however, with the exception of needing to obtain a payoff from the existing lender, isn’t much different than obtaining any other property tax loan.

Reasons to change property tax lenders

Why would you want to change property tax lenders in the first place? The truth is that not all Texas property tax lenders are the same. Some offer better services, better terms, and more agreeable repayment terms than others. Some are better established and reliable, too. If you have been working with a particular tax lender, you are well within your rights to pay off your lender. If you are unhappy with your current interest rate or feel that you are being treated unfairly, you should move to another provider that meets your expectations. However, it is better to do your homework before entering an agreement with any lender, including a property tax lender. Always do a background check and ensure that the tax lender has a 5-star Google rating, a good BBB track record, and is a Texas Property Tax Lienholders’ Association member. This is an indication of their trustworthiness, commitment to ethics, and standing in the industry.


Expert Guidance on Property Tax Loan Processes and Repayment

At AFIC, we specialize in guiding Texas property owners through the complexities of property tax loans, lien transfers, and repayment terms. Our experienced team helps you navigate the Texas tax code, including Section 32.06, ensuring you understand every aspect of your property tax loan. Whether facing delinquency or considering a lien transfer, we offer solutions tailored to your unique needs, helping you avoid foreclosure and manage home taxes effectively. Trust us to provide a seamless loan process, safeguarding your residential property’s financial stability.

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.

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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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