Refinance Your Property Tax Loan (Texas)
Swap your current tax loan for a smarter, simpler monthly payment.
Already have a property-tax loan? We can refinance it. We’ll pay off your existing tax-loan lender (and any new delinquent year(s) you owe the county now) and replace it with one clear, manageable payment—built to fit your budget.
Less-than-perfect credit? We work with a wide range of credit profiles, and we do not report to credit bureaus
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Why refinance with We Pay Property Taxes
- Lower Your Monthly Payment Restructure terms to free up cash flow
- Lower Your Total Cost Potential to reduce interest and fees (where eligible)
- Combine Multiple years Roll prior tax loan + current delinquent taxes into one loan
- Pick Your Timeline Shorter or longer terms based on your goals
- No Pre-Payment Penalty Pay off early anytime
- Fast, Guided Process E-sign + secure uploads; real humans every step
- Statewide Coverage We serve all 254 Texas counties
Explore Our Loan Programs
When refinancing makes sense
Your current payment is straining the budget
Your rate/terms aren’t competitive anymore
You’ve fallen behind with your current lender, owe new taxes, and want one low monthly payment.
You’re planning to sell or refinance your mortgage and need a clean payoff plan
You want to switch to autopay, adjust due dates, or shorten the payoff timeline
Your current property tax lender has raised your interest rate to 18% the state max.
Your current tax lender has added forced place insurance to your loan without telling you.
How it works (fast & simple)
Apply (3–5 minutes)
Tell us about your current tax loan and property—no obligation.
Options In ~24 Hours
We review your payoff, county status, and goals; then present clear refinance options.
We Pay Off The Old Lender
We coordinate the payoff directly and can include any new delinquent taxes.
You Make One Payment
A single, predictable monthly payment—with the flexibility to pay off early.
What you’ll need
- Government-issued ID
- Current tax-loan statement or payoff letter from your lender
- Latest county tax statement and any delinquency notices
- Property details (address/legal)
- If applicable: EIN, Operating/Company Agreement, Company Resolution, Certificate of Good Standing (LLCs)
- Recent income info (e.g., pay stubs or bank statements) if requested
- Mortgage statement (if there’s a lien)
Don’t have everything handy? No problem—your specialist will guide you.
Who we help
- Homestead homes and non-homestead residences
- Rental/investment properties and inherited properties
- Land/vacant lots
- Select commercial assets (ask about our commercial refinance options)
Ready to run the numbers?
Apply Now — quick, no-obligation application.
Prefer to talk first? Call 833-937-2982 to speak with a friendly specialist.
Recently Funded
Divorce Settlement Cleanup — Homestead
$6,480 (County Payoff)
Collin County, TX
Reason — Taxes fell behind during divorce proceedings.
Performance — Coordinated with both parties, e-signed packet; county paid in 36 hours; attorney fees avoided.
Divorce Settlement Cleanup — Homestead
$6,480 (County Payoff)
Collin County, TX
Reason — Taxes fell behind during divorce proceedings.
Performance — Coordinated with both parties, e-signed packet; county paid in 36 hours; attorney fees avoided.
Homestead Exemption Lapsed — Reinstated Budget
$8,140 (County Payoff)
Fort Bend County, TX
Reason — Exemption lapse spiked the bill unexpectedly.
Performance — Educated borrower on reinstatement, paid county, aligned draft date after benefits deposit; no prepayment penalty.
Real Reviews from Real Borrowers
FAQs
What documentation is required for a commercial property loan?
For commercial loans, we typically request financials, ownership details, and governing documents (e.g., articles or operating agreement).
Resource: Texas SOS – Business Filings (Entities)
Can a new lien be placed on my property?
A tax lien already exists; under Texas law it attaches each January 1. If we pay your taxes, that lien is transferred to us under §32.06.
Can you foreclose on my property if I miss my payment?
We’ll work with you on an affordable plan and do everything we can to avoid foreclosure. If payments stop and we can’t reach you, Texas law allows foreclosure on a transferred tax lien after required timelines and notices.
Is there an application fee?
No application fee. You simply make your agreed monthly payments if approved.
