Myths About Texas Property Tax Loans


There are a few myths about Texas property tax loans. We want to educate you so you can feel comfortable utilizing property tax loans as a helpful financial option. These myths can cause unnecessary worries and uncertainty. In this educational article, we’ll dispel some widespread misconceptions regarding Texas property tax loans so that you have the facts you need to choose how to handle your property tax responsibilities. We’ll also explain how American Finance and Investment Co., Inc. (AFIC) can help you with your property tax payments.

Myth 1: Getting a Property Tax Loan for Delinquent Taxes Can Be Risky

There is nothing inherently risky about a property tax loan. In fact, it is less risky than waiting for the county or their attorneys to sue you at any moment. Property tax loans are intended to assist property owners in paying back past-due taxes while avoiding expensive fines, interest, and even legal action that may include foreclosure. The process is simple and lets you spread the payback over time, making it easier to manage.

Myth 2: Lenders Want to Foreclose On Your Property

Factual statement: Lenders specializing in property taxes like AFIC prevent property foreclosures. How do they prevent foreclosures? Many customers come to AFIC when getting foreclosed upon by the county. AFIC then lends money to satisfy the tax debt, saving the property. The customer then pays AFIC back over time or subsequently sells or refinances the property to satisfy the property tax loan. Some lenders are “Loan to Own” and want to foreclose. At AFIC, we’re different and have been in business for 75 years by helping customers, not making their problems worse.

Myth 3: Property Tax Loans Are Too Expensive

Factual statement: Although property tax loans come with interest and fees, they are almost always less expensive than letting your property taxes get behind. The taxing authorities may apply significant penalties and interest costs for unpaid taxes. In your first year of delinquency, most counties in TX impose an additional 47.6% of your bill for penalties and interest. You can safeguard your financial security and avoid these extra expenses with property tax loans.

Myth 4: Property Tax Loans Create New Liens On Your Property

Factual statement: Property tax loans are a transfer of an existing statutory lien granted to the county. Contrary to what some believe, it does not result in the taxation authority issuing a new tax lien.

Myth 5: All Property Tax Lenders Are the Same

Factual statement: Rates, repayment schedules, and customer support for property tax loans vary. It’s essential to do your research and choose a reliable lender, such as AFIC, which is recognized for its transparent communication and commitment to helping property owners with their tax concerns. Different property tax lenders offer various levels of expertise and assistance.

AFIC stands out as a respected and trustworthy choice. We are renowned for our dedication to assisting property owners with their tax difficulties and our commitment to transparent communication. Our team has a wealth of experience in property tax loans, so you will get the direction and assistance you require.

Finally, it’s critical to distinguish fact from fiction when discussing Texas property tax loans. These loans can be a helpful tool for property owners who are behind on their taxes, offering a workable and reasonable financial solution. Contact AFIC for knowledgeable advice and loan options if you have any questions or are considering taking out a property tax loan.


Get Help From a Property Tax Lender You Can Trust

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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