How to Get a Fast Property Tax Loan & How the Process Works

Many Texas homeowners struggle to pay their property taxes on time, often due to the state’s high property tax rate. As a result, they are forced to pay hefty amounts in penalties and interest. By July, legal collection penalties can reach 23.6%, plus an additional 18% in cumulative interest and penalties—totaling over 41%. If property owners fail to pay, they become delinquent on their property taxes and receive collection letters that threaten foreclosure and lawsuits. To prevent additional penalties and legal action, it’s best to obtain a property tax loan as soon as you realize you may struggle to pay your property taxes.

With a property tax loan, you can:

• Stop penalties and interest from adding up
• Prevent legal action and protect your home or business
• Replace a large, urgent tax bill with affordable monthly payments
• Get flexible terms with no prepayment penalties

Texas Property Tax Loans vs. County Payment Plans: Which One Is Right for You?

Falling behind on property taxes can quickly lead to financial strain. While county tax offices send multiple warnings before taking legal action, waiting too long can leave homeowners with limited options. At this stage, property owners typically have two choices:

• County Payment Plan: These plans are rigid, often requiring full repayment within 12–36 months at a 12% interest rate, with substantial retroactive penalties for default. They also have strict eligibility requirements and offer no flexibility if you miss a payment.

• Property Tax Loan: This option provides immediate relief with no out-of-pocket costs, easy approval, flexible terms, and the ability to stop penalties and foreclosure.

At AFIC, we’ve helped thousands of Texans avoid foreclosure with affordable and fast property tax loans. Whether you own residential or commercial property, our solutions ensure your taxes are paid in full and on time—without the stress of additional fees or bureaucratic delays.

What is the Property Tax Loan Process, and How Fast Can You Get a Loan From Us?

The process is simple. You’ll pick your loan amount online or with our licensed loan officers. Then, you’ll provide some brief background information. Next, we generate documents (in as little as 30 minutes). Lastly, you’ll sign the documents with our online or mobile notaries.

• Once approved, we pay your taxes directly to the county, and the tax lien is transferred to us as security for repayment. You then follow a structured, flexible repayment plan that fits your budget.
• We can close your loan promptly after payment terms are agreed upon, and the entire process is fully online for your convenience. Prefer an in-person approach? We can send a notary directly to you for signing.
• Funds are disbursed following a brief post-closing review and a three-business-day cancellation period (for household-purpose loans).

Your loan comes with customized repayment terms, and our loan officers are available to review all details to ensure you’re comfortable with the plan. This structure helps you manage your tax debt while regaining financial control.

There are many benefits to this process:

1. It’s faster and more convenient than any arrangement you can make with your CAD. There is no application!
2. Once approved, your county tax debt is paid in full, regardless of how long it has been overdue or how much in penalties and interest has accrued.
3. There’s no need to worry about credit checks. Your credit history does not affect the application.
4. The terms are flexible, and you can pay a monthly installment that suits you best. It helps maintain healthy cash flow while fitting within your budget.

Flexible Repayment Options for Paying Off Your Property Taxes

Instead of paying a large lump sum, a Texas property tax loan provides structured repayment plans, helping home and business owners stay current while avoiding financial stress.

• Manageable Monthly Payments: Spread out costs instead of paying all at once.

• Avoid County Fees & Penalties: Prevent escalating interest, penalties, and collection charges.

• Potential Low-Interest Financing: For those who desire relevant products financing is more affordable than county penalties.

• Alternative Options: Some property owners may be eligible for a tax deferral through the Texas Comptroller’s Office. However, under Texas law, property owners eligible for tax deferrals—including seniors, disabled individuals, and certain veterans—cannot legally take out property tax loans. If you no longer qualify for a property tax deferral, it’s important to understand what happens after your eligibility ends and explore alternative solutions to protect your property.

Working with a licensed loan professional at AFIC ensures you get a customized repayment plan that fits your budget while keeping your property secure. Don’t let tax debt put your home or business at risk—explore flexible property tax solutions today.

Common Myths About Property Tax Loans

Many Texas homeowners hesitate to seek property tax loans due to misconceptions about the process. Let’s clear up some of the most common ones:

Myth 1: Property tax loans are only for those in extreme financial distress.

• Fact: Many homeowners use these loans to manage their cash flow and avoid unnecessary penalties. It isn’t just a last resort.

Myth 2: Getting a property tax loan is a long and complicated process.

• Fact: AFIC offers a quick, online approval process, with loan documents generated in as little as 30 minutes.

Myth 3: Taking out a property tax loan means losing ownership of your home.

• Fact: You retain full ownership. The tax lien is simply transferred to AFIC as security for repayment.

Residential & Commercial Property Tax Loans: Solutions for Every Owner

Whether you own a single-family home or a commercial property, falling behind on taxes can lead to serious consequences. For residential homeowners, this includes escalating penalties,legal fees, and even foreclosure. For commercial property owners, tax delinquency may result in liens and aggressive collection actions from county authorities.

At AFIC, we offer customized Texas property tax loans solutions for both residential and commercial property owners. Our fast, no-money-down loans help you avoid costly penalties, preserve your credit, and stay in good standing with the county.

Benefits of our residential and commercial tax loans:

• Loans available for both home and business properties

• Direct payment of delinquent property taxes to the county

• No credit checks or negative impact to your credit score

• Flexible repayment plans to match your cash flow

• Elimination of penalties, legal fees, and foreclosure risk

Let AFIC help you take control of your property tax obligations—quickly, securely, and on your terms.

Why Choose AFIC for Your Property Tax Loan?

Whether you are in need of a commercial property tax loan or a residential property tax loan for your property, at AFIC, our property tax lenders can offer you expert advice and services to deliver fast, effective tax relief. American Finance & Investment Company, Inc. has a compassionate and qualified team that will settle your property tax bill quickly and customize a repayment plan to help you get back on your feet.

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

AFIC has been helping Texas property owners pay their taxes since 1946. Our collective experience of approximately 100 years in the financial industry ensures that we have the resources necessary to help you resolve your tax payment challenges. We primarily depend on proprietary capital, so we do not rely on third-party banks or other lending institutions for decisions. Plus, we stand apart from our competition with a complaint-free, 65+ year Better Business Bureau track record.

We pride ourselves on finding solutions to suit the unique needs of our clients. Don’t wait for penalties to pile up—secure your property tax loan today by contacting our experienced team at AFIC!

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.