Property Tax Loans for Land (Texas)
Keep your land. Stop the penalties. Breathe again.
Fallen behind on land taxes? Texas penalties, interest, and legal costs add up fast—and can lead to a tax suit or foreclosure sale. You’re not out of options. We’ll pay your delinquent land taxes now, and you’ll repay over time with a monthly payment that fits your budget—no pre-payment penalty.
Se habla español.
Eligible land types
- Raw and unimproved land
- Agricultural and farmland
- Ranch and acreage
- Residential lots (homestead or non-homestead)
- Commercial-zoned land and development sites
- Inherited/estate properties and vacant lots
How It Works
Why landowners choose us
Fast Decisions— Options typically in 1 hour
We Pay The County Directly— After final approval, we handle payoff and coordination
Cash-Flow Friendly— Low, predictable monthly payments
No Pre-Payment Penalty— Pay off early anytime
No Down Payment- Zero out-of-pocket expense
Digital & Guided— E-sign + secure document upload; real humans, clear steps
Statewide Coverage— All 254 Texas counties
Urgent Files Welcome— Facing a tax sale or lawsuit? We can fast-track.
How it works
Apply (3–5 minutes)
Share a few details about your land and tax year(s)—no obligation.
Get Options (~24 Hours)
We review your county status and goals, then present clear terms.
We Pay The County
We send funds directly to the county and address eligible penalties/fees tied to the payoff.
You Make One Payment
A single, manageable monthly payment—with flexibility to pay off early.
What you’ll need
- Government-issued ID
- Latest county tax statement and/or delinquency notice
- Property details (address, legal description, parcel/geo ID)
- If titled in an entity: EIN, Operating/Company Agreement, Company Resolution, Certificate of Good Standing
- If encumbered: most recent mortgage statement (if any) Missing something? No problem—your specialist will guide you.
Smart reasons to use a land tax loan
- Avoid foreclosure risk and protect your ownership
- Stop penalties and interest from snowballing
- Consolidate multiple years into one payment plan
- Bridge to sale, refinance, or development on your timeline
Ready to protect your land?
Apply Now — quick, no-obligation application.
Prefer to talk? Call 833-937-2982 to speak with a friendly specialist.
Recently Funded
HOA + Taxes — Clear to Close on Refi
$10,920 (County Payoff)
Montgomery County, TX
Reason — Needed taxes current for lender conditions; HOA lien present.
Performance — Coordinated tax payoff then HOA release; issued paid receipt to lender same day; refinance closed on time.
New Landlord — First-Year Learning Curve
$4,780 (County Payoff)
Denton County, TX
Reason — Underestimated non-escrowed tax bill on rental.
Performance — Quick approval with light docs; county paid; auto-pay set with email reminders; investor kept cash flow intact.
Medical Hardship — Budget Relief Plan
$6,390 (County Payoff)
El Paso County, TX
Reason — Hospital bills led to missed tax deadlines.
Performance — Compassionate underwriting; funded in 48 hours; custom payment schedule; penalties stopped upon county receipt.
Real Reviews from Real Borrowers
FAQs
Do you accept online payments?
Yes—ACH (bank to bank) auto draft is available so you don’t have to mail payments.
Can I roll in an existing loan from another lender?
Yes—if it’s the same property, we can refinance by combining your new delinquent taxes with an existing tax lien loan into one payment.
What makes Panacea Lending unique from other tax loan companies in Texas?
We can consolidate prior and current tax liens for one affordable payment, using efficient tech and a responsive team to speed up closings
Resource: OCCC – Verify licensing & complaints
Can I get a loan from you for other purposes?
No. We only make property tax loans (loans used to pay property taxes).
