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When Can You Get a Property Tax Loan?

Property Tax Loan

Many people consider a property tax loan as a last resort if they are struggling to pay their account, thinking that it is only available under certain circumstances. Here, we’re talking about when you can get a property tax loan in Texas, so you can make an informed decision more easily.

When You Receive Your Annual Property Tax Statement

Account statements are mailed out in October each year, and the account can be settled as soon as you receive your statement. If you do not have the money to pay the account and are not expecting to have the money by the January 31st due date, then you can approach a property tax loan provider. If you don’t have a mortgage, they will settle your account and structure a repayment plan, allowing you to start repaying the amount early. This also keeps your owed property taxes as low as possible, as you will not incur tax penalties, interest or legal fees, and allows for tax deductibility in the current federal income tax year. If you have a mortgage, a property tax lender can still assist you by finalizing paperwork and funding your loan on February 1st.

In the New Year

This year has shown us that there are a lot of things out of our control that can negatively affect our financial position. If you planned to pay your property taxes before the deadline at the end of January but find out in the New Year that it’s not going to be possible, then it’s time to speak to a tax loan company. For those without a mortgage, they will settle your account directly, so you meet the payment deadline and don’t incur any interest or penalties. For those with a mortgage, they will still settle directly and minimize penalty and interest to only one month of government charges. These loans can be quoted on instantly, require no credit or background checks, and can pay off your account in a matter of days, so it’s worth not waiting until the deadline has passed.

When You Incur Penalties or Have Back Taxes Due

If you already have delinquent property taxes that are still outstanding when your new bill arrives or are incurring penalties on your account, it is critical to speak to get a property tax loan. The rates of repayment on these loans is often low and many providers offer interest only payments for a set period or even delayed payments where you only have to start repayments many months later. The fees for these loans are significantly less than the penalties, interest and legal fees the tax office applies, so it is much more affordable to get a property tax loan, settle your account and pay off your loan provider. They can cover back taxes, current taxes, penalties and more – your entire outstanding account – making repayment as easy and affordable as possible.

When You are Facing Foreclosure

A property tax loan can get you out of foreclosure, stopping the process in its tracks. If you have been notified that the county tax office is pursuing foreclosure on your home or property, it is important to speak to a property tax loan company for an affordable solution. By paying your account in full, the tax loan company can stop the foreclosure process in its early stages. The loan repayment structure will be presented to you before you accept the loan and the loan itself can be paid in just a day or two after the expiration of any required legal waiting periods, so take your time to find a reputable property tax loan company that offers an affordable rate and has your interests at heart.

If you are facing a property tax lawsuit or have delinquent property taxes, don’t hesitate to contact us at American Finance and Investment Company, Inc. (AFIC) for a loan to pay property tax. AFIC’s value commitment is unshakeable. They will beat any written offer by a licensed competitor by 1.0%, while matching all other terms. You can also get a FREE, instant loan estimate now by completing 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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