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Struggling to Pay Your Property Tax? Here's What to Do

property tax loans Texas

This year, Texas property taxes are due on Friday, January 31st, 2020. For many homeowners, paying property taxes is not easy, especially after the financial pressure of the holiday season. If this is the position you find yourself in, there are property tax solutions available to help you to pay on time and, thus, to avoid costly penalties, interest, and collection fees. Here’s what to do from the team at American Finance & Investment Company, Inc. (AFIC), property tax loan experts, and one of the most trusted providers of financial services in Texas for over 70 years.

Start the Process for a Property Tax Loan Today

It’s important not to wait until after the property tax payment deadline to apply for property tax loans in Texas. This is because the first wave of penalties for non-payment will be applied on the first business day of February, which is Monday, February 3rd.

This includes a penalty amounting to 6% of your original property tax bill, 1% interest per month for each additional month it goes unpaid until June 30th, and an additional 2% penalty from July 1st. Some tax collection fees can also be as high as 20% of your total property tax bill at the time of collection.

Further, in addition to all of the above, you’ll owe 1% per month in interest (or 12% per year) for as long as your bill is unpaid. Adding that all up, you will have incurred 38% of your tax bill in penalties, interest, and collection fees in just 5 months of leaving your bill unpaid.

The only way to minimize your costs and avoid paying more is to ensure your property tax loan is applied for and approved before the original payment deadline. Unfortunately for those of you with a mortgage, property tax loans can’t be funded until you are delinquent, but all of the paperwork can be completed and ready to go in January, for funding at the beginning of February.

3 Easy Steps to Settling Your Texas Property Tax Bill

Here’s what you need to do if you want to get a property tax loan from AFIC, one of the most reputable property tax loan companies in Texas:

Complete an Online Application: Visit our website and complete the form “My Loan Quote”. You will receive an instant loan estimate. We only ask for the following information to complete this estimate:

  • The name of the county in which your property is located

  • Your email address and phone number

  • Your first and last name

Complete the Document Process: Our team will contact you to discuss the terms of the loan with you directly. They will also be able to answer any questions you may have. For your convenience, we will bring the necessary documentation to you in order to complete the loan process.

We Settle Your Property Tax Bill: Your account will then be settled on your behalf using the funds from the property tax loan. No fuss, no hassle, and no additional work for you.

Why Choose AFIC for Property Tax Solutions?

AFIC was formed in order to support Texas property owners through ethical, honest, and affordable financial services. Today that includes property tax solutions that are designed to support home and business property owners. We have an A+ rating at the Better Business Bureau and are proud of providing our expert services for over 70 years, assisting people in all Texas counties, from Dallas County and Harris County to Fort Bend County and El Paso.

The benefits of working with us include:

  • 30 Day Rate Match: For 30 days after you close on your property tax loan, we will match a competitor’s loan terms or let you move to them at no charge. That’s how confident we are in our pricing structure’s affordability.

  • No Payments for 60 Months: You can defer your loan payments for up to 60 months if you require it.

  • Interest-Only Payments: Pay only the interest on your property tax loan for a set number of months, paying the capital amount back in installments once your cash flow improves.

  • Escrow Protection: Some products maintain an escrow along with your property tax loan payments, providing you with financial protection and safeguarding your future tax payments.

Pay Your Property Tax Loans in Texas Today and Avoid Penalties

To find out more about our property tax solutions or to get financial assistance to pay your property tax loans from AFIC, one of the leading tax loan companies in Texas, please contact us today or fill in the form below.


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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, Phar, Hidalgo County, & Cameron County), San Antonio (Bexar County), Waco (McLennan County) and the rest of Texas with Property Tax Loans.

YOUR TAX OFFICE MAY OFFER DELINQUENT TAX INSTALLMENT PLANS THAT MAY BE LESS COSTLY TO YOU. YOU CAN REQUEST INFORMATION ABOUT THE AVAILABILITY OF THESE PLANS FROM THE TAX OFFICE.

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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