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Residential Property Tax Relief from Simplicite

Residential Property Tax Loans are Ideal for Homeowners Just Like You

No matter your financial circumstances, we can offer a short or long-term option that helps you achieve your goals. Simplicite helps Texas homeowners resolve delinquent homestead and residential property taxes with flexible property tax loan solutions designed to protect your home and reduce financial stress.

THE PROBLEM IS CLEAR: UNPAID RESIDENTIAL PROPERTY TAXES CAN CAUSE STRESS, FORECLOSURE, & MORE

DELINQUENT NOTICES ARE JUST THE BEGINNING

It doesn’t take long for the tax collector to begin warning you about the consequences of unpaid property taxes, which can plant seeds of fear and anxiety. Many folks begin to wonder: Is losing my home to tax foreclosure really a possibility?

PENALTIES AND INTEREST ARE STEEP

Your bill begins to increase monthly, making it harder to pay as time goes on. Within 4 – 6 months, most counties will also add collection penalties of about 20% onto the total. Within a year, your bill will increase by almost 50%!

EVENTUAL FORECLOSURE

If they remain unpaid, your property tax bill can result in a tax foreclosure lawsuit. After obtaining a judgment against you, your property can go to the auction block.

OUR RESIDENTIAL PROPERTY TAX LOANS OFFER YOU THREE KEY BENEFITS

1. PROTECTION FOR YOUR HOME

Paying off the tax collector ensures that you stay out of county collections, legal trouble and eventual tax foreclosure. Eliminate the threat of delinquent notices and be confident that the tax collector isn’t coming after your home.
“Tax” spelled out on dice next to a small model of a wooden home placed on top of a calculator

2. SIGNIFICANT FINANCIAL SAVINGS

The longer you wait, the more you will pay the tax collector in penalties, interest and fees. By allowing us to step in and pay their taxes, our clients have saved as much as 73% off of the interest and penalties that the tax collector charges.

3. IMMEDIATE RELIEF

Falling behind on property taxes is stressful. Hiring us to step in and pay your bill is like hitting the reset button. You get a fresh start and the certainty of knowing that you’re on a repayment plan that is both comfortable and achievable.

PLUS, 3 HIDDEN BENEFITS

Never pay a dime more for property taxes than you have to.

1. AVOID OVERPAYING

Many Texas homeowners unknowingly pay more in property taxes than necessary. Our approach is designed to help you minimize unnecessary penalties, interest, and overassessment issues whenever possible.

2. LOWER FUTURE PROPERTY TAX BILLS

Texas homeowners that are serious about eliminating property tax debt know that higher bills accentuate the problem. What most don’t know is that by taking a relatively simple step each year, their future tax bills could get lowered. As our client, you will have the opportunity to have your property tax bill professionally protested each year to ensure that you’re never overtaxed and are maximizing your potential savings.

3. WE SAVE YOU MONEY, OR WE PAY YOU UP TO $600.

We don’t provide property tax loans unless the math works in your favor – period. If you pay off your tax loan within 12 months and find that you didn’t save money by working with us, we will refund your lender fees up to $600. No complicated math, no hidden catch. Just guaranteed savings.

OUR RISK-FREE PLEDGE

REPAY ON YOUR OWN TERMS

We have a plan that fits your budget and goals.

We get it. You want to make sure that your payment plan is actually going to work for you. That’s why we’ve developed a slate of options for you to choose. Whether you’re just looking for quick relief or you’re operating with an end goal in mind, you’re certain to find a good fit with us.

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*Not seeing a good fit? We’ll customize something for you. Just ask.

Simplicite is just as simple as their company name. They do not gouge you run arounds they get you what you need precisely on time even is time is limited. Raquel treated me with excellent customer service throughout out my process. She went beyond to execute my aid due to due dates. Thank you Raquel and Thank you Simplicite!
Annie CSan Antonio, TX
We had a fantastic experience with Derek and Quinn at Simplicite Tax Loans! They were timely and accurate with all there communications. They answered all my questions and even the questions I did not know to ask. And of course, they delivered on the services promised, as promised. I highly recommend this company.
T BirdHouston, TX
Simplicite has been exceptional to work with and has easy terms in your time of need when it comes to taxes. Highly recommend!
Robert McKenzieDallas, TX
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Property Tax Loan FAQs

How do residential property tax loans work?

Residential property tax loans work by paying your delinquent property taxes directly to the county on your behalf. Instead of continuing to deal with mounting penalties, interest, and collection pressure, you repay the balance over time through manageable monthly payments. For many Texas homeowners, this provides immediate residential property tax relief and helps reduce the risk of foreclosure.

In Texas, a homestead property is a primary residence that is owner-occupied and may qualify for certain homestead tax exemptions and legal protections. Residential property is a broader category that can include homesteads, second homes, inherited properties, and other residential real estate.
No, not by definition. But in practice, they usually are. Most homeowners searching for residential property tax relief for their primary legal residence are referring to homestead property tax loans. In Texas, these loans are commonly used to help homeowners resolve delinquent property taxes, avoid escalating penalties, and reduce foreclosure risk while repaying the balance over time.

Yes. Residential property tax loans are legal and regulated in Texas. They are commonly used by homeowners who need additional time and flexibility to resolve unpaid property taxes. The key is working with a reputable lender that focuses on transparency, fair terms, and helping homeowners improve their financial situation rather than keeping them trapped in long-term debt.

County payment plans often continue adding penalties and interest while offering limited flexibility. Residential property tax loans may provide longer repayment terms, more predictable monthly payments, and immediate payoff of the delinquent taxes owed to the county. For many homeowners, this creates more breathing room and a clearer path toward getting caught up.

Over 97% of homeowners that reach out to us qualify for property tax assistance. Ultimately, qualification comes down to two things: (a) your property being in decent condition and (b) you have good, legal title to the property.

The only other thing that could prevent you from qualifying is if you’re eligible for a government program that is actually more advantageous to you than taking out a tax loan. If that’s the case, we’ll point you to it and help you get started.

We know that you’re concerned about timing. The tax collector is adding penalties every single month.

The good news is that the entire process can take less than 48 hours and only requires a total of about 30 minutes of your time. We are keenly aware of property tax deadlines and guarantee that we will fund on time so that you can avoid any additional penalties.

To help ensure success, make sure to contact us at least 5 business days before the end of the month so that we have plenty of time to go through the authorization process and pay off your taxes.

Simple. We guarantee it for all homeowners.

For example, if you authorize us to pay your taxes in March, we guarantee that your taxes will be paid in March. If for some reason that doesn’t happen, we’ll be responsible for any additional penalties that accrue on your tax account when we pay the taxes in the following month.

For homeowners, our standard fee is $600. That’s generally well less than the penalties that are scheduled to be charged by the tax collector for bills that are more than $5,000. For smaller balance accounts, we do have some discounted service options available as well.

Most importantly, you don’t have to pay us anything out of pocket. All of our fees are included in our payment plans. We understand that cash flow is tight, so we make it very simple. All it takes is your signature to get your property taxes paid.

National interest rates change all of the time, so it’s impossible to provide a static answer to that question. Whether interest rates are high or low, Simplicite Tax Loans has programs that are industry-leading from an interest rate perspective. For example, in 2025 our available interest rates started 40% below the industry average. One of our clients saved over 73% off tax collector penalties and interest with our help.

The average industry rate for all property tax lenders is published by the Texas OCCC and historically has been between 12 – 14%. We don’t ever want you to pay a dime more for property taxes than you have to, and that’s why we’re constantly innovating new ways to push rates lower than what you would typically find elsewhere.

Technically, we do not.

Most homeowners don’t realize it, but on January 1 st of each year the tax collector puts a lien on your house for any unpaid property taxes. That lien is what’s known as a statutory lien, meaning that it attaches automatically.

The process of authorizing us to pay your property taxes in Texas is often referred to as a “Tax Lien Transfer” because it results in a transfer of that existing lien to us as a form of security for repayment. In other words, we do not place a lien on your house. Rather, we simply take assignment of the one that is already there.

The only way to get rid of a tax lien completely is to pay off the debt in full, and we’re here with tools, tips and tricks to help you do that as quickly as possible.

There’s no real catch.

Penalties for unpaid property taxes in Texas are astronomical. A tax loan, if applied properly, is like a huge get out of jail free card for homeowners.

You still have to pay the taxes eventually, but a property tax loan allows you to exchange the constant threat from the tax collector for years of breathing room. In all respects, a property tax loan should put you in a much better position than the one you’re in currently. If it won’t accomplish that, we’ll be the first ones to let you know it.

How to qualify for residential property tax loans with Simplicite

It takes less than 30 seconds to get started.

Click the button to drop us your property address and see what we can do for you.

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