Alamo has hundreds of families and business owners just like you over the last two years by paying their property taxes and tailoring affordable payment plans.  We offer some of the lowest interest rates in the state starting at only 12% for some loans and we go above and beyond to understand your needs and work with your financial situation  - we know that times are tough right now. 

That is why you must make a decision and stop the compounding penalties and interest that the county is charging you and CALL US TODAY at (210) 858-9660

While Texas law provides a limit on interest rates on credit cards, this only applies if the bank issuing the card is chartered in Texas and most credit card companies today are based in states that do not impose limits.  Most cards charge higher interest rates for cash advances and often an additional fee – or  you will have to pay a “convenience fee” usually from 3 to 5% upfront if you simply charge your property taxes.  While your current or promotional interest rate may be lower now, you are at the mercy of the credit card company who often without notice can raise your interest rate up to 29% and even as high as 33% in some cases.

Your loan with Alamo Home Finance is designed and tailored to meet your needs, and our interest rates are some of the lowest in the state and as a Texas based and licensed property tax lender your interest rates can never exceed the rates set in the Texas Civil Code.

We try to customize every loan to fit your needs, but in most cases to keep the monthly payments affordable, most of our loans spread payments over 60 months.

All closing costs associated with your loan are included in the total amount financed so there are no out of pocket closing costs.

In Texas, as of February 1st 2009 the following penalty and interest will be added:

*Accounts not paid in full by June 30th of the year in which they became delinquent will be referred to the delinquent tax attorney for enforced collection, and will incur additional penalty of 15-20% of the total taxes, penalties, and interest due

In most cases YES!  We understand that these are difficult times and are able to help the majority our applicants even those that have declared bankruptcy in the past. There are few exceptions we cannot work around such as a current federal tax lien and or if you are currently in bankruptcy.

Yes, assuming:

• You are currently not in bankruptcy
• The property is in Texas
• There are no IRS liens on the property
• Ownership can be verified through AHF
• The property is in good or reasonable condition
• You can verify your income

Homeowners, commercial property owners, investment property owners, land owners and families with back taxes on inherited properties can come to AHF for pay their property tax loans.  

In many cases, we work with businesses that may have the money saved to pay their taxes, but would rather have the working capital to re-invest in their business – and that is where Alamo Home Finance is able to help by tailoring a loan that pays their taxes and allows them to use the freed capital to grow their business or pay off other higher interest debt.

Yes, we can help you – call our main office at 210-829-0600 so we can explain your rights and options.  In most cases if you are disabled and or over 65 years of age, you may be entitled to request special programs and assistance within the county that your property resides but you must be proactive and take action NOW.   AHF can provide you with information on how to apply for this government benefit.

No, we handle only residential or commercial property tax loans and in the State of Texas

 

Our interest rates are competitive, and in most cases less than those of other property tax lenders and considerably less expensive than paying the accrued interest rates and accumulated fees and penalties that your local county tax office charges on delinquent taxes. 

 

Call a AHF today for a free consultation and estimate.

Homeowners need:

• Social Security number
• Driver's license number
• Mortgage company name and loan number
• Property insurance company name
• Income verification  (current paycheck stub)

Commercial property owners need:

• Entity and Authority documents, e.g., Articles of incorporation/partnership agreement, etc.
• Mortgage and Insurance company names
  

There are four fast, easy ways to apply:

1. You can apply online by clicking [APPLY NOW]
   
   
2. You can download the [application form online] and fax the completed form to us at 210-829-0715
   
   
3. You can apply by phone at 210-829-0600 anytime day or night or
   
   
4. You can apply in person in our office or call and we will meet you

It takes just minutes to apply. Approval is instantaneous in most cases, subject to verification

As soon as you complete the application, a loan package is sent overnight to you with a prepaid return envelope. Once the package is returned, the loan is reviewed by AHF. AHF prepare the title work and due diligence. The final step is closing. The entire process can usually be completed in about 10 to 14 days – so don’t delay any longer and call AHF today!

Within 10 business days after the loan is finalized, in some counties 24-48 hours.

Yes, you can mail a check or money order it to our corporate office in San Antonio at the address below. Be sure to note your loan number or property address on the memo to assure it is properly posted.

Alamo Home Finance, Inc.
6840 San Pedro Ave. Suite 201
San Antonio, Texas 78216

No, there is no prepayment penalty - in fact we encourage you to pay the loan off as quickly as you can to reduce your interest expenses and return the comfort knowing you have made it over this little bump.

Your payment due date will be set in your loan contract and like any loan agreement your timely payment is expected and appreciated.  If you are going to be late for any reason, you should notify AHF so we can try to work with you to resolve your issue and minimize any additional fees charged to your account.  Your communication is key to maintain our relationship.

Alamo Home Finance is here to help and will pay all of your property taxes, interest and penalties and tailor a loan just for you, but we do expect to be paid back. If you do fall behind in your payments and your loan becomes delinquent, under the laws outlined in the Texas Civil Code, a state governed foreclosure process can be initiated. Our records show that this is a last resort that is usually avoided and it has our policy to work with our clients to provide options if something happened to allow them to catch up on their payments and bring the loan in good standing.