What Do You Need to Get a Property Tax Loan in Texas?


Looking for a property tax loan in Texas? Before you find out what you need and if you qualify, you should determine if the property tax lender you are considering is trustworthy and has sufficient experience in the business. When you choose American Finance & Investment Co., Inc. (AFIC) for your loan to pay off property tax debt, you get more than 70 years of Texas lending experience and expert property tax loan knowledge and a company with an A+ Better Business Bureau (BBB) rating. Let’s discuss how you can get a property tax loan.

Who Can Get a Property Tax Loan?

Property tax loans are available to residential and commercial property owners.. At AFIC, we provide our homeowner and commercial clients with residential or commercial property tax loans tailored to their specific needs.

Homeowners have various reasons why they need a loan to pay property taxes. Maybe circumstances beyond your control mean you don’t have the funds to pay the property taxes due on January 31. Or you have tried your best to keep up with the payments but are now facing foreclosure. Getting a residential property tax loan from AFIC is a quick and simple process, and we work with you to establish an easy repayment plan.

Loan Eligibility: Do I Qualify for a Property Tax Loan?

American Finance & Investment Co., Inc. (AFIC) covers most properties with property tax loans. What do you need to qualify? The property tax loan age requirements in Texas mean that you must be 18 years or older to apply for a loan and in all sincerity, our process is so easy, we don’t even have a formal application. Other property tax loan requirements are that you must own property in Texas, with or without delinquent taxes with a Central Appraisal District (CAD) value in excess of $50,000. If you have a mortgage, the property taxes must be delinquent before you can apply for a loan.

Are you 65 or older or receiving disability benefits, and the property is your homestead? You don’t need to get a tax loan. Rather, take advantage of your county’s property tax deferral program.


Can You Get a Property Tax Loan With Bad Credit?

Do you have bad credit and worry you are not eligible for a property tax loan? At AFIC, we understand that one event can harm your credit rating. That is why we don’t do credit score checks on borrowers. We work with people from all financial backgrounds and draft a repayment plan customized for you. We want to assist all the communities we serve with their property tax financial needs, and bad credit should not prevent you from paying your property taxes with a loan.

What is the Property Tax Loan Process?

As you know, districts appraise property values on January 1st every year, and you have until January 31st of the following year to pay your property taxes. If you don’t pay them, penalties and interest for unpaid tax bills are charged from February 1 and quickly accumulate monthly. The best way to avoid paying excess fees on your property tax is to arrange for a property tax loan with AFIC before your tax becomes due.

AFIC is proud to be an innovator in the property tax loan originations process, making our process the most customer friendly and easiest process in the industry. You can go all online by filling out the form or call our office at 915-519-0906. Either way the process takes about 5 minutes. From there we will obtain a copy of your ID, and your spouse’s (if applicable), to ensure our loan docs are correct. Thereafter, we generate your loan docs and in as little as 30 minutes, you can be signing your documents online. Despite our industry leading speed, you can take as long as you would like to review your documents and sign when you are ready. Once you sign your documents, we pay the county directly and your account will reflect as being paid in full, stopping all county related collection action(s).

How to Apply for a Property Tax Loan from AFIC

Meeting our clients where they are is important to us at American Finance & Investment Co., Inc. (AFIC), which is why 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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Online Process
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Rates as Low as 8.0% (8.51% APR*) $25,000 loan,
$750 in Closing Costs, 120 Monthly Payments of $303.32

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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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