Will I Qualify?

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  • Are your Property Taxes past due?

    Property taxes are “past due” after January 31st for the preceding year’s taxes (e.g., 2012 taxes are due by January 31, 2013). For mortgage holders, Texas law does not allow us to pay your property taxes until they are past due.

  • Are you the Owner of the Property?

    In order to approve your loan, we must prove to the County that you are the legal owner of the property. This is done by producing a Deed which appears in the name of the borrower, their spouse, or a legal entity which they manage (such as a corporation or trust). In certain situations, such as an inheritance or legal separation, you may still be the legal owner even if your name does not appear on the Deed. In these cases, we can help you to file the documentation proving your ownership.

  • Are you under 65 and not disabled?

    The state of Texas offers a tax deferral program for homeowners 65 years of age or older and homeowners eligible for a disability exemption. These are typically the better option for most individuals. If you live at the property, you should contact your County Appraisal District and ask a representative about tax deferral.
    If the Property is not your residential homestead, such as an investment property or raw land, you would still be eligible for a property tax loan.

  • Are you currently in Bankruptcy?

    Even if you are in bankruptcy, we can still approve the application if the borrower receives permission from the Bankruptcy Trustee. If your bankruptcy was in the past and has been discharged, you are eligible for a property tax loan.

  • Is your Mortgage Current?

    You are current if your most recent mortgage payment is less than 90 days overdue. We can still provide a loan if your mortgage payment is past due, however, your mortgage company has the legal right to immediately pay off the loan and add the amount to your monthly mortgage payment.

  • What do I need to do next?

    Simply scroll down to begin. Submit an Application online to have one of our loan officers contact you, or call us toll-free at the number below to get started.