Texas Property Loan FAQs: Answers From Property Tax Lenders


Are you wondering how Texas property tax loans work and if you will qualify for one? American Finance & Investment Co., Inc. (AFIC) has more than seventy years of experience providing consumer loans and understands your need for more information. Here are answers to some of the frequently asked questions (FAQs) people have about property tax loans in Texas and paying your property taxes.

FAQs About Texas Property Tax Loans

Do Your Taxes Have to Be Delinquent to Get a Property Tax Loan?

No, if you don’t have a mortgage, the taxes do not have to be delinquent. Contact AFIC for a property tax loan as soon as you get your tax bill to avoid collection fees, penalties, and interest.

How Do Texas Property Tax Loans Work?

You negotiate agreed-upon terms with American Finance & Investment Co., Inc. (AFIC) for your property tax loan, we pay your tax obligation to the county or applicable tax office, and you repay us based on our agreement.

How Fast Can You Get a Property Tax Loan in Texas?

With AFIC, the approval process can take as little as a day. As soon as you complete the online rate quote selection, we will start working on the property tax loan.

Can a Property Tax Lender Foreclose on Your Property?

A property tax lender can foreclose on your property with a superior tax lien if the loan is not repaid on time. However, American Finance & Investment Co., Inc. (AFIC) prefers to find a manageable monthly payment you can afford to avoid foreclosure.

Is It Better to Get a Property Tax Loan or a County Payment Plan?

The choice is yours, but your tax office delinquent tax installment plan likely will come with much higher monthly payments. You won’t have the same flexibility as moving forward with a property tax lender and, worst of all, if you miss a payment with the tax office, penalties and collection costs can be retroactively applied. In that case, a county plan is far more expensive than a property tax loan.

What Is the Average Interest Rate on a Property Tax Loan?

The average interest rate on a property tax loan from American Finance & Investment Co., Inc. (AFIC) varies, but you can get a loan quote in under 1 minute online, and typically rates are as low as 8.0%.

How Long Can a Property Tax Loan Repayment Term Be?

AFIC property tax loans are designed to fit your budget, and the repayment term can be according to your capacity. With us, you can even defer payments for up to 24 months.

How Old Do You Need to Be to Get a Property Tax Loan?

In Texas, you need to be 18 years or older to make a contract, such as taking out a property tax loan with American Finance & Investment Co., Inc. (AFIC).

What Type of Property Can I Get a Property Tax Loan For?

You can get a property tax loan for residential, commercial, and investment properties as well as vacant land, as long as the property is reasonably maintained and you are not in bankruptcy.

When Should You Get a Property Tax Loan?

Get a property tax loan from American Finance & Investment Co., Inc. if you struggle to pay your property taxes. Our loans are suited to almost all budgets and situations.

When Shouldn’t You Get a Property Tax Loan?

Are you 65 years and older or disabled? Don’t get a property tax loan, contact your local tax office about a deferral and enquire about relevant residence homestead exemptions and deferral options.

Are Property Tax Loans Tax-Deductible in Texas?

Your property tax can be deducted as part of the state and local taxes deduction. The interest on the loan with American Finance & Investment Co., Inc. (AFIC) may or may not be tax-deductible. Therefore, it is always advisable to check with a tax expert.

What Is Needed to Apply for a Property Tax Loan

Obtaining a property tax loan with AFIC is simple. Go online and get a customized loan quote in under 1 minute. Our team will contact you to discuss the loan in detail, and there are no applications, credit checks, or down payments.

FAQs About Paying Your Property Taxes in Texas


How Long Can Property Taxes Go Unpaid in Texas?

Texas property taxes are due on January 31 every year, according to Tex. Tax Code § 33.41. A taxing unit can foreclose anytime after tax on a property becomes delinquent.

Do I Have to Pay All My Property Taxes at the Same Time?

No you don’t, but late payments are subject to incredibly high penalties, interest, and collection costs. In the first year alone, you can incur 47.6% in penalties, interest, and other costs.

What Kind of Property Tax Payment Plans Are Available?

Ask your local tax collection office about available property tax payment options. They might vary based on taxpayer eligibility and the type of payment.

What Happens if You Don’t Pay Your Property Taxes in Texas?

On February 1 each year, the Texas property taxing authority starts charging owners interest and penalties, and there is no cap on penalty fees. As a last resort, they will enforce foreclosure due to unpaid property taxes.

Will a Lien Be Placed on My Property if the Taxes Are Paid?

A lien is automatically attached to each taxable property on January 1 to ensure property taxes are paid. As soon as all your property taxes are paid, the lien is extinguished.

Can I Pay Delinquent Property Taxes Monthly?

The option to pay delinquent property taxes monthly does exist, but paying that way subjects you to penalties, interest, collection charges, and possible foreclosure.

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,
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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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