Texas Property Tax Loans: Trusting the Experts

Texas property tax loansIf you are like most people, chances are that you’re not a tax expert. Even people who do their personal taxes on their own don’t know much about property taxes or loans. And that’s fine because not everyone is interested in finance or the details of taxes. But thankfully, there are experts in Texas property tax loans to help the rest of us when we need it.

 

Choosing an Expert

Opening up to strangers about your finances may be difficult. Many people have reservations about letting someone they don’t know handle their finances. However, if you find a professional you can trust, it can be a great decision.

Meet with a couple different financial advisors or legal experts (depending on your situation) and get an idea of pricing, timeline, and other details. Be sure you find someone you can trust. That way, you won’t lie awake at night, wondering if you made the right decision.

Ask friends and family if they have recommendations for any Texas property tax loans experts. If they don’t, online reviews can be a great place to find someone. Keep in mind though, that most people who write online reviews have extreme experiences on either end of the spectrum, so take their words with a grain of salt if they seem dramatic.

Professional Guidance

There are ways to navigate the world of property taxes on your own, but most people don’t have enough time, interest or motivation to stay dedicated to the cause. The last thing you want to do after a long day at the office is to sit in front of the computer and research taxes. And even if you have time to do the work, you’ll still have better guidance with a professional.

Texas property tax loans aren’t the easiest thing to understand, so having a professional on your side is best. The right financial advisor can help find the best rates, loans and payment plans that work for you. He or she may also be able to find loopholes you may not know about that can save you big money.

Don’t Risk Losing Your Home!

There are some bills you can delay payments on, but property taxes is not one of them. If you don’t pay your property taxes when you pay your mortgage (or when payments are due), you can actually end up losing your land and home. That’s where property tax loans come in. If you just don’t have the money for property taxes – especially if you pay them only once or twice a year in a large lump sum – you can get a loan to pay for property taxes. Then you just owe on the loan and not on your actual taxes. It’s safer for finances and credit scores. Safe Texas Investments can help.  Call us today to schedule a meeting.  Don’t fall behind because we can help!

Texas Property Tax Loans
Safe Texas Investments
7290 Virginia Parkway, Suite 2300
McKinney, Texas 75071
(877) 496-3814

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Keep Your Property Tax Lien Free With Texas Property Tax Loans

Texas property tax loansTaxes have been levied since the beginning of civilization, so the concept is nothing new. Land specifically has a way of attracting the attention of administration’s treasuries. Governments have always had their eyes on the land citizens own and how it can benefit the “higher good.” According to the International Association of Assessing Officers, for example, property taxes were assessed in America as early as 1620, just after the Pilgrims divvied up the land near Plymouth Massachusetts and began building. Back then, taxes were assessed according to how productive each parcel was. That’s no longer the case in the 21st Century, which may be part of the reason that in Texas property tax loans are often necessary.

Most citizens don’t make their living from the land. The property that they own is, for the most part, a place where they live, although it could be argued that commercial and rental properties bring an income. Even so, using the productivity of land to assess property values isn’t accurate in the 21st Century. That’s where property taxes and income become disjointed. You may own a valuable piece of land, but you may not necessarily have the income to pay what the county assessor believes to be a fair tax amount. In those cases, Texas property tax loans are life, and property savers, giving property owners the money they need to avoid tax liens.

There are few ways to avoid taxes altogether, although there are reductions available for owner-occupied properties and, if your property has historical significance, it may qualify for historic preservation tax incentive. The Texas Historical Commission reports that there are over 15,000 locations in the state that have been marked as historic. The criteria for historic designation include being at least 50 years of age or older, retaining the original architectural integrity and having a documented historical significance. If you believe your property should be included on the list of Texas’s recorded historic landmarks and, therefore, exempt from property taxes, the THC advises that you contact your county’s appraisal district.

Although the historic locations in Texas number in the tens of thousands, most properties won’t qualify for exemption, and taxes will still be owed. Those who find themselves in need of Texas property tax loans can get the help they need from Safe Texas Investments. They provide experienced, professional relief for residential and commercial property owners who have fallen behind on property taxes. Call 214-842-8765 or toll-free at 1-877-496-3814 today for property tax peace of mind.

References:

http://www.iaao.org/uploads/a_brief_history_of_property_tax.pdf

http://www.thc.state.tx.us/preserve/projects-and-programs/preservation-tax-incentives/about-preservation-tax-incentives#Local

http://www.thc.state.tx.us/preserve/projects-and-programs/recorded-texas-historic-landmarks

Texas Property Tax Loans
Safe Texas Investments
7290 Virginia Parkway, Suite 2300
McKinney, Texas 75071
(877) 496-3814

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Can Texas Property Tax Loans Help Your Finances?

texas property tax loansPeople who are already drowning in debt may be wary about taking out more loans. It makes sense; the more loans you take out, the more you owe. However, taking out Texas property tax loans may actually help those who are financially struggling, in the long run. How does that work?

It Does Matter Who You Owe
Not all debts are the same; owing a bank isn’t the same as owing a family member. Along the same lines, being indebted to the IRS is not the same as being indebted to a local credit union. Owing on property taxes is an everyday occurrence. Unfortunately, the IRS doesn’t usually care how bad a person’s situation is, and they treat most audits and unpaid tax cases in a similar manner.

Most financial experts advise against owing on taxes. If there’s one thing everyone has to pay for, beyond the absolute necessities, it’s taxes. They should be paid no matter what, even if it means taking out a loan to get them paid. It is better to make payments on Texas property tax loans than go broke paying taxes in one lump sum.

Owing on a Home
Loans can be taken out to pay most any type of tax debt, but Texas property tax loans are one of the most common. Homeowners work hard to pay their mortgage and utilities every month. After the economy slowed a few years back, the housing market was hit the hardest, and countless people were left owing more money on their homes than they were worth.

Fortunately home values are on the rise, but many people still owe on their homes. Those who work hard to pay mortgages on their homes may have trouble making ends meet as they are; so when it comes time to pay property taxes, they may not have enough money. That is where Texas property tax loans come in.

Where to Turn for Help
There are companies that specialize in property tax loans. Loan officers at these companies are finance experts, and they help clients get the best possible loans. They can typically tell a client what type of loan they are eligible for with just a few questions.

Find a company with a good reputation. Internet reviews have made this process much simpler than it used to be. Be sure you find a loan officer you feel has your best interest at heart and who understands your situation.

Instead of owing back property taxes to the IRS, get your taxes paid and owe on a property tax loan instead. It’s a better option and is better for your finances in the long run.

Texas Property Tax Loans
Safe Texas Investments
7290 Virginia Parkway, Suite 2300
McKinney, Texas 75071
(877) 496-3814

Photo Credit: @DepositPhotos/ j o h n k w a n

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Property Loans in Allen TX and Why You Need Help!

property loans in Allen TXProperty loans in Allen TX can grant commercial or residential property owners escape from accumulating serious potential county fees, interest, penalties, and taxes on their late property taxes. Safe Texas Investments, a property loans in Allen TX company, can pay off all delinquent property taxes, interest, and penalties owed. They will make a deal with you to pay off the taxes at a reasonable rate.

Safe Texas Investments Property Loans in Allen TX understands that financial trouble can be difficult and seem mind-boggling. Using our real estate experts’ years of experience assisting you with property tax loans, you can be offered the help that you need to get the most affordable, accredited, tax loan solution customized to fit your personal needs. Don’t try to deal with the problem on your own when help is available.

As long as your unpaid taxes remain delinquent, your taxes can assess annual penalties that are equal to a large portion of your tax bill. You are also possibly facing authorities taking legal action against your property or other possessions to pay off the unpaid taxes. Don’t risk the financial security of your family. Allow Safe Texas Investments property loans in Allen TX to help you by resolving the issue with the benefit of a property tax loan and taking away the possibility of losing your home or other property.

All situations are different, so our expert team applies focus to finding the best options to meet your needs. Our property tax financing service grants property owners the ability to avoid accruing extra fees, interest, taxes, and penalties. In some cases, within a week of application. Safe Texas Investments property loans in Allen TX can begin paying off penalties, interest, or taxes with a loan. You can repay taxes in affordable monthly payments over a set time period that meets your affordable funding.

Safe Texas Investments property loans in Allen TX offers a team of qualified professionals to work with you on your tax financing options. We strive to make the process the most affordable and best experience for you. We understand that property taxes can be hard to understand and confusing, so you should know that your taxes in our hands can end up in a payment plan that works for you.

Don’t try to deal with property tax issues alone when Safe Texas Investments Property Loans in Allen TX professionals have been trained to help. Trying to do it on your own can be a hassle, so take the easy way with Safe Texas Investments!

Property Loans in Allen TX
Safe Texas Investments
7290 Virginia Parkway, Suite 2300
McKinney, Texas 75071
(877) 496-3814

Photo Credit: @DepositPhotos/ voronin-76

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Avoid County Tax Burdens With Property Tax Loans Texas

Property Tax Loans TexasThere are only a handful of states that don’t tax the’ income of their citizens, and Texas is one of them. There’s a lot of real estate in Texas, though, and that is where the state government has focused its revenue interest. Not surprisingly, because the sources for revenue are limited, Texas’s property taxes are more than the national average, according to the Dallas Business Journal. With annual property taxes in Texas averaging around $2,275, that puts the state in the top 20 of highest property taxes, and puts many Texas homeowners in need of property tax loans Texas sized.

The real estate website Texas Gulf Coast Online confirms that property tax is the largest source of revenue for Texas counties. Although there are exemptions available, many homeowners find themselves short when property taxes come due. 2M Realty points out that any property owner who feels that their property was overvalued, or who finds discrepancies on their assessment, is within their rights to file a dispute with their appraisal district. This typically results in an informal discussion with the appraiser but, if a resolution isn’t reached, can end up in an official hearing. Both will require that you be able to support your case that mistakes were made in assessing your property’s value. If you can successfully substantiate your claim, your taxes will be reduced.

If your taxes are not reduced, you’re back to square one, looking for a way to pay the taxes due. The county will place a lien on any property that has outstanding taxes, and that can be daunting. When faced with losing a home to a tax lien or getting property tax loans Texas homeowners see the clear choice. A loan allows you to pay the county off in one lump-sum, and then to pay the lender off in more manageable installments.

If you’ve ever had difficulty paying your property taxes, or if you’re currently faced with a tax bill that’s more than you can afford, contact Safe Texas Investments. They have the experience and the resources to  get you out from under that tax debt, preventing the steep penalties and interest that the county tacks on to past-due tax bills. Don’t lose another minute of sleep over your high property tax fees. Count on Safe Texas Investments for property tax loans Texas homeowners depend on to keep their property safe.

References:

http://www.bizjournals.com/dallas/stories/2010/09/27/daily36.html

http://www.texasgulfcoastonline.com/News/tabid/86/ctl/ArticleView/mid/466/articleId/104/Texas-Property-Taxes-in-a-Nutshell.aspx

http://www.2mrealty.com/blog/texas-taxes-and-houses-a-property-overview.html

Property Tax Loans Texas
Safe Texas Investments
7290 Virginia Parkway, Suite 2300
McKinney, Texas 75071
(877) 496-3814

Photo Credit: Depositphotos.com/ y u p i r a m o s

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Understand How to Pay Property Taxes Texas

Pay Property Taxes TexasAs with the vast majority of states in the union, homeowners in Texas are required to pay property taxes Texas. Rather than collect these taxes on a state level, Texas has arranged a system where these property taxes are paid to the local government where the home resides. States have decided that this system works the best for accumulating funds and distributing them specifically back to the local area to meet the needs of the area where the home is located. Property taxes are the best source of income for local governments because they provide an almost constant stream of funds. This income goes to things like schools, police, fire departments, roads, and other necessary services. The property owner is the one who pays the taxes, and there is a specific system that controls how much this owner is taxed.

Property taxes are based upon the value of the owner’s property. If the property increases or decreases in value in any way, the amount of property tax that needs to be paid should increase or decrease accordingly. The local government has what is called an appraisal district, which is the division that appraises the value of the owner’s property. This district is meant to have a specific system that they apply equitably to each and every property that is under their purview so that the amount that an owner needs to pay property taxes Texas will be fair.

If an owner believes that their property taxes are too high, or have risen an unfair amount from one year to the next, they are able to turn to the appraisal review board. If a homeowner thinks the amount of money required by the government that they pay property taxes Texas, they can take the complaint to a review board of local citizens. The objections are not specifically to the amount of taxation by the government, but instead the objections are about the estimated value of the property. Property taxes are not spontaneously set. They are meant to correspond directly to the value of the property. However, homeowners often dispute the value that the appraisal district ascribes to their property, and how that value can increase substantially from year to year.

If a homeowner has such a complaint it is in their best interest to discuss the objection with Safe Texas Investments. A home is not just a building, it is a financial investment. Sometimes the value of that home as an investment can decrease based upon the level of taxation being ascribed to the property. A homeowner needs the advice of Safe Texas Investments to help them understand what properties are good investments now, and which will remain good investments in the future. Go to http:///www.safetexasinvestments.com to understand more.

Pay Property Taxes Texas
Safe Texas Investments
7290 Virginia Parkway, Suite 2300
McKinney, Texas 75071
(877) 496-3814

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What Does a Property Loan Tax Consultant Mckinney TX Do?

property loan tax consultant mckinney txRecently, property tax loan companies have been under fire in the state of Texas due to a few unscrupulous lenders.   A legitimate property tax loan consultant McKinney TX will offer a fair time frame for you to pay back your loan and refrain from charging you a high interest rate until it’s paid. Professional loan companies won’t pressure you into getting a loan or be evasive about the terms of their contract and business practices.

People who have financial trouble often contact a property loan tax consultant Mckinney TX for help paying taxes on their home.  They may owe large medical bills or have other financial obligations that make paying property taxes on time difficult.  Instead of falling behind on their taxes and paying a penalty, many homeowners contact a property tax loan specialist for an “advance” on their home tax. They authorize the third-party to pay the taxes in full, in effect transferring the tax lien to the company. The property tax relief company and the homeowner work out a repayment schedule.

The application process should be fairly straightforward. The representative from the property tax loan consultant McKinney TX firm will check the information you’ve provided on the application and conduct a title search on the property. You’ll need to provide the property tax consultant with your date of birth, social security number, the address of the property and the names of all property owners. Other necessary paperwork includes a copy of your most recent mortgage statement and insurance details. Before finalizing the loan, a rep from the company (or one of its agents) will inspect your property. These procedures may vary from company to company, but those are some of the basic details you’ll need to provide. Loans need to be at least $2,500, but no more than 25% of the property’s tax assessed rate.

Once details are confirmed, most property tax liens then move forward, and the loan is then closed in a time and location that’s suitable for the homeowner.  If you change your mind after signing the initial documents with your lender, you have three days to cancel the agreement. After that, the lien transfer takes place, with the loan company paying your Texas property taxes in full.

Call Safe Texas Investments, property tax loan consultant McKinney to learn more about securing a tax loan for your home.  We have many years of experience dealing with Texas property tax laws. Some loans are paid a week after we’ve received a client’s application, and most property owners can take anywhere from three to seven years to repay the loan. Call us today at 888-761-0184 or apply online.

Property Tax Consultant McKinney TX
Safe Texas Investments
7290 Virginia Parkway, Suite 2300
McKinney, Texas 75071
(877) 496-3814

Deposit Photos: Credit © vrvalerian

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Texas Property Tax Consultants: Taxes Under Fire in Politics

Texas property tax consultantsAs one of the leading Texas property tax consultants, it is our job to keep you current on the things that affect what taxes you pay. Property taxes will always be under fire in Texas because it is so steep, but these taxes produce $40 billion a year in revenue that provides for schools, counties and cities. In order to provide relief from property taxes, the slack must be made up somewhere.

Sen. Glenn Hegar is the Republican nominee for comptroller. He is very much against Texas’ property tax. According to Dallasnews.com he claims “I don’t like the property tax…we should replace it. The best thing to replace it with is a consumption type tax, sales tax per se.”  Sen. Dan Patrick is opposing the property tax in his campaign for lieutenant governor. Debra Medina talked of replacing the property tax with sales tax in her run for governor four years ago. Property taxes seem to always be under fire, but is relief from steep property taxes coming any time soon?

Mike Collier the Democratic candidate for comptroller, claimed that “abolishing property taxes would require more than doubling the most common state-local sales tax rate of 8.25 percent, to 20 percent or more” (www.dallasnews.com). That makes everyday purchases a lot more expensive. If you are struggling to make your property tax payments, consultants like Safe Texas Investments can help ease your burden through a loan, so there are solutions available, but good luck getting a loan to pay off the taxes on your groceries!

Politicians in other states have actually praised Texas for their tax system and in fact use it as a model of what they would like theirs to be. Last year the NY Times reported that there is a “growing group of Republicans across the country who are working to repeal their states’ income tax, using Texas’ economic success to make their case.” (www.nytimes.com)  and that “High-ranking officials in Georgia, North Carolina and Ohio have also cited Texas in recent months as a model for tax reform.”  Texas’ strong economic performance during the recession has caught the political eye nationwide. Thousands of people are flocking here to find good jobs and great neighborhoods. Some may need the services of a Texas property tax consultants’ firm to pay their taxes, but that’s why we are here.

Taxes will always be a topic of debate for politicians. Maybe someday, Texas property tax consultants will be a thing of the past as taxes are lowered, but until then, if you need help to get your taxes paid, look to Safe Texas Investments. We’re here to help!

Texas property tax consultants
Safe Texas Investments
7290 Virginia Parkway, Suite 2300
McKinney, Texas 75071
(877) 496-3814

Photo Credit: @DepositPhotos/ a j h i c k s

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Avoid Steep Penalties with Property Tax Loans Texas from Safe Texas Investments!

property tax loans TexasLet’s face it…Texas has high property taxes! Because this great state has no income tax, they rely on property taxes to make up the difference. This means they also have a strict and expensive policy for dealing with delinquencies. That is why property tax loans Texas are so vital to the people of this state. Unfortunately life happens and unforeseen bills arise. Not everyone can pay their steep tax bill immediately and that is where we come in. Safe Texas Investments gives families the time they need to pay their bill before they begin to accrue penalties and legal fees.

So what kind of penalties are we talking about? According to the Texas Tax Code 31.01, the penalty is 6% for the first month alone and 1% for each additional month up to 12%. Then add 1% in interest for each month delinquent. If the bill is not paid within 6 months of the delinquency date, then an additional 20% penalty is applied for attorney fees (http://www.statutes.legis.state.tx.us/Docs/TX/htm/TX.33.htm). Therefore, what started out as a $9,000 tax bill, in six months has become $12,420. If the county files a lawsuit to collect, (which they begin at the 6 month mark) then additional court costs can be added to the bill. At one year past the delinquency date, that $9,000 is closer to $14,700. Once the tax collectors win the lawsuit, they will foreclose on the property. How are families supposed to recover from difficult financial circumstances when such penalties are mounting? Property tax loans Texas can be the grace you need to save your home!

What other options are there? If you are over 65 years old, you are eligible for a tax deferment from the Tax Assessor and are not eligible for a property tax loan Texas under Bill SB247. The taxing agency may be willing to offer you an installment agreement. Most of these require a down payment of 25% with the remaining balance to be paid within a year. If payments are missed, penalties apply retroactively. If monthly payments are still more than your budget can handle, a loan may still be necessary to save your home.

Texas is an amazing state to live in, so don’t let property taxes get the best of you! If you find you can’t make that January 31st deadline, call Safe Texas Investments and ask about a property tax loan Texas before the penalties start mounting!

loan agency McKinney TX
Safe Texas Investments
7290 Virginia Parkway, Suite 2300
McKinney, Texas 75071
(877) 496-3814

Photo Credit: @DepositPhotos/ y u p i r a m o s

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Avoid Bad Credit Due to Unpaid Property Taxes –Consult a Loan Agency Mckinney Tx

loan agency McKinney TXLike any other unpaid or delinquent bill, a late property tax payment can wreck havoc with your credit rating. Unlike an unpaid credit card bill or mortgage payment, a delinquent or unpaid property tax bill will take awhile to show up on your credit report. If the tax collector in your county puts a lien on your home, it will be reflected in your credit rating – and you’ll be in danger of losing your property. To avoid these negative consequences of late property tax payment, consult a loan agency McKinney TX. A lender that specializes in loans for property taxes has staff familiar with past due consequences in Texas. They’ll know how to deal with a tax lien transfer (another name for a property tax loan) and help you avoid a lien on your house, foreclosure or a possible credit downgrade.

According to the Texas Comptroller of Public Accounts, property taxes are due on January 31st of each year. Taxing units usually mail property tax bills in October. The tax collection office may offer a discount for paying taxes early or allow split payment or payment by credit card, but these arrangements must be determined on a case-by-case basis. If you can’t work out an arrangement with the collection office, don’t delay contacting a property tax lender. Penalties and interest will add up, and the tax collector may file a lawsuit against you.

When you’re late paying your property taxes, you’ll accrue interest and penalties. A real-estate lending professional will help you secure a loan that pays the principal and the interest on your tax bill. Always work with a loan agency McKinney TX that has testimonials from recent clients and no out-of-pocket cost. Your loan officer will review your application, and if it’s approved, he or she will work out a payment plan that’s convenient for you.

The friendly, experienced loan officers at Safe Texas Investments know how frustrating it can be to deal with the “legal-ese” of late property tax payments. Our loan agency McKinney TX staff has dealt with client loans for decades, and our track record of satisfied customers speaks for itself. We serve residential and commercial property owners. Our officers will also approve tax loans for mineral and farm rights and raw land in the state of Texas. If you’re late paying taxes on your property, don’t hesitate to call our loan agency McKinney TX at 214-842-8765. An officer may approve your loan and schedule a closing date in as little as 24 hours.

loan agency mckinney tx
Safe Texas Investments
7290 Virginia Parkway, Suite 2300
McKinney, Texas 75071
(877) 496-3814

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