Why Falling Behind on Texas Property Taxes Is So Costly
If you are behind on your property taxes in Texas, you are not alone. But waiting to catch up comes with real consequences. Once your payment becomes delinquent, the county immediately starts adding penalties, interest, and attorney collection fees.
Within a year, your original tax bill can grow by nearly 47%. The longer you wait, the more expensive it gets and after enough time passes, your taxing authority can even begin foreclosure proceedings on your home.
No one wants that. What are your options if you are already behind and need help paying your property taxes?
Option 1: Pay in a Lump Sum
The most straightforward solution is to pay the full balance (taxes, penalties, and fees) in one payment. For many Texans, that is simply not possible, especially with today’s higher costs of living.
Option 2: Partial Payments
You may be able to make partial payments to slow the penalties from growing, but unless you pay off the entire balance, the county will continue to tack on fees. Calls and notices from collection attorneys will not stop until the full amount is cleared.
Option 3: A Property Tax Loan
For most Texas homeowners who are behind, the most practical option is a property tax loan. With a licensed Texas property tax lender like Home Tax Solutions, you can:
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Stop penalties and interest immediately
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Protect your home from foreclosure
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Consolidate past-due taxes and fees into one manageable loan
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Choose flexible terms that fit your budget
And here is the part most Texans are relieved to learn: with Home Tax Solutions, there is no cash due at closing and no credit check required. Your approval is based on your ability to comfortably make payments, not on your credit score.
You can even defer your first payment for up to 12 months, giving you breathing room before repayment begins.
How the Property Tax Loan Process Works
Applying is fast and simple. You can complete the application online or over the phone in minutes. One of our licensed loan officers will review your situation right away, and in many cases, you will receive same-day approval.
When it is time to close, we send a licensed mobile notary to your home, office, or another convenient location. Once the loan is finalized, we pay your property taxes directly to the county and stop penalties in their tracks.
Why Texans Trust Home Tax Solutions
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Locally owned and operated by Texans who understand the process
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A+ rated with the Better Business Bureau
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Lowest fixed rates guaranteed (we will match a competitor’s offer)
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Thousands of homeowners helped across Dallas, Houston, Austin, San Antonio, McAllen, and beyond
Take Control Today
Being behind on your property taxes is stressful, but you are not out of options. With the right help, you can stop penalties, avoid foreclosure, and protect your home.
