Call or Text Us: (210) 939-2002

What Happens if You Don’t Pay Property Taxes on Your Home?

What Happens if You Don’t Pay Texas Property Taxes

Buying a house is one of the most satisfying accomplishments in our society. Homeownership comes with many benefits, particularly in the form of freedoms that you receive from owning as opposed to renting. One of the biggest downsides of owning a house, however, is having to pay taxes on the house. If you live in Texas like we do, then you know that Texas property tax is no joke. In fact, Texas has one of the highest average property tax rates in the country. According to, Texas does not have a state property tax. Rather, it is the local authorities that set property tax rates.

So what happens if you don’t pay your Texas property taxes? We are Simplicite Tax Loans, a Texas Property Tax Lender that helps Texans with property tax loans online. We can tell you exactly what happens…

The Delinquent Tax Balance Becomes a Lien

When you haven’t paid your property tax it is referred to as a delinquent (unpaid) tax balance. That delinquent balance that is owed to a local authority then gets secured by a lien that gets recorded against your property until the debt is paid in full.

If the debt goes unpaid after a certain amount of time, the lienholder has the right to initiate a tax foreclosure. This is similar to a bank foreclosure process, which happens when you fail to make your mortgage payments after a certain amount of time. If left unaddressed, it can result in the sale of your home in order to satisfy the debt balance.

What Happens with a Property Tax Lien?

If the taxing authority (local government) decides to initiate a tax foreclosure process, the end result would likely be a tax deed sale (if the outstanding debt, interest and fees are not paid.)

Tax Deed Sales

Tax deed sales are when the taxing authority sells the home to a buyer, a process in which the buyer gets the deed to the home as in a normal house sale. However, the current homeowner is sometimes granted a redemption period to pay the delinquent property taxes and retain their home. This is known as “redeeming” the property, and according to the Texas tax code, one “may redeem the property on or before the second anniversary of the date on which the purchaser’s deed is filed for record,” meaning you have a two year period to pay the debt, penalties, and interest to redeem the property.

Why Should You Apply for Property Tax Loans Online?

Here at Simplicite Tax Loans we offer Texas property tax loans that you can apply for entirely online. With just a few clicks, you can potentially get approved to have us pay your delinquent tax balance and stop the exorbitant interest, fees and penalties that the local taxing authority is charging you. When we pay your delinquent balance, we convert the debt into a simple payment plan that is at a significantly lower interest rate than the local taxing authority was charging you. We also offer flexible terms on all of our property tax loans and there are zero upfront costs required for you to close. 

Applying online is incredibly easy, simple, straight forward, and stress-free. You just plug in a few pieces of information, and if you qualify you could receive an offer back in as little as an hour.  You can accept the offer and close the loan entirely online, whether you’re at your office or in the comfort of your own home. Instead of having local taxing authorities heap expensive interest, penalties and legal fees onto your delinquent tax bill, let SimplicitE Tax Loans satisfy your delinquent balance and replace it with a flexible payment plan.

Apply for an Online Property Tax Loan

If you have questions, you can call or text (210) 939-2002 for a free quote today. Simplicite Tax Loans is here to help you pay off your delinquent tax balance and eliminate your stress. Let us help you.

Click here to apply online in five minutes