Frequently Asked

Questions

If you’re dealing with property taxes, it’s normal to have questions and you deserve clear, honest answers. We’re here to make things simple and help you understand your options without the stress. Below, we’ve put together answers to the questions we hear most often from Texas property owners.

If you don’t see what you’re looking for, just reach out! You can email us at sales@tptl.net or call us at 737-358-6779 with any additional questions. Our team is always happy to help.

   GENERAL QUESTIONS

  • Property tax loans help Texans who are behind to avoid accruing significant penalties, interest, and legal fees on their delinquent property taxes. Your delinquent taxes are paid directly to the county, allowing you to make simple, affordable monthly payments instead of facing a large lump-sum.

  • Once approved, the lender pays your outstanding property taxes directly to the county or taxing entity. You then make monthly payments under an agreed repayment plan.

  • On January 1st, most counties will automatically place a lien against everyone’s property. This lien exists until the property taxes are paid or the property is foreclosed upon. However, when you authorize a tax lender like us to pay your past due property taxes, the county transfers that tax lien to secure your loan. Once you have paid off your loan, that lien will be released!

  • Though every county is different, if your property taxes aren’t paid before February 1st, there will be a 7% increase in your total tax bill. From there, additional penalties, interest, attorney fees, and court costs can build each month, increasing the total amount owed to as much as 47% within the first year.

  • Yes. In Texas, a taxing entity can foreclose on your property after taxes become delinquent. A property tax loan can help prevent foreclosure by paying those taxes off.

ELIGIBILITY & APPROVAL   

  • Most Texas property owners with sufficient equity in their home or property may qualify. To confirm your eligibility, please visit our webpage here.

  • No. We don’t run credit checks or report to credit agencies so bad credit will not hold you back. If you own your home and meet all eligibility requirements then there’s a good chance that we’ll be able to help.

  • Yes. You are still eligible for a property tax loan even if you currently have a mortgage or other liens on your property.

   APPLICATION & TERMS

  • No. There are no application fees, ever. When you submit an application with Texas Property Tax Loans, you have absolutely no obligation to continue with the loan, though we’ll still give you a free quote.

  • To get started, all we need from you is some basic information about where your property is located and a couple of details about you and your situation. If any additional documentation is required, one of our loan officers will reach out to request it.

  • We offer highly competitive rates that match or beat leading competitors. Our rates vary based on property type, total loan amount, and loan terms. One of our licensed loan officers would be happy to provide you with an exact quote for free at any time.

  • Repayment terms are flexible and based on your needs. One of our licensed loan officers would be happy to go over the specifics with you at any time.

  • The length of time varies depending on loan complexity, but the process typically moves quickly and we’re often able to close within one to two weeks from when we receive your application.

 TAX & PROPERTY         

TAX & PROPERTY QUESTIONS   

  • Yes. Once your loan closes, Texas Property Tax Loans will take care of the hard part and pay your delinquent taxes directly to the taxing entity, so you can get back to whatever matters most in your life.

  • Yes. We will cover all overdue property taxes within one loan.

  • Yes. We are happy to provide you a loan for any property you own that has delinquent property taxes. However, we will typically need to create separate loans for each property, except in the case of adjacent lots.

  • Yes. We are always happy to help you refinance your loan to include new property taxes or adjust your payment terms to better meet your current needs.

   PAYMENTS & SERVICING

  • Once your loan funds, you will receive an email from our Customer Support team. They will ensure that you are onboarded smoothly and answer any questions you may have from there! You can contact them at support@qualityloanservicing.com or call them at 888-725-5564.

  • You can contact our Customer Support team at support@qualityloanservicing.com or 888-725-5564 and they will walk you through how to make payments online, over the phone, or by mail.

  • As much as we would love to help, we are not able to accept payments or answer any servicing related questions. Please reach out to our customer support team using the contact information provided below: