Taxes & Insurance
We loan you the money to pay off your tax bill completely (this includes taxes, penalties, interest, attorney fees, etc.). We give you a payment plan to pay us back over a length of time that you choose (from 1-10 years).
- Saves money by stopping the penalties, interest and legal costs charged by the county.
- Prevents foreclosure of the property by the county.
- No credit reporting.
- Flexible payment plans to fit your budget.
- Peace of mind
Fill out the form on the right side of this page or call to speak to one of our Loan Officers at 866-PROP-TAX and they will take your application over the phone. This process only takes about 15 minutes.
We make loans on any kind of real estate.
- residential houses
- rent houses
- raw land
- commercial buildings
- shopping centers
- development tracts
- apartment buildings
- any other type of real estate
No. At your choice, we will either send a mobile notary to you, or we will overnight the documents to you and you can take them to a notary for the signing.
We make loans to every county in Texas.
We do not check credit, and we do not report your loan to a credit reporting agency. We only verify that you have the ability to make your loan payments by asking your monthly income and expenses to be sure that you can afford the monthly loan payments.
Yes. The county already has a tax lien against everyone’s property beginning January 1. When we pay your tax bill, the county will transfer that tax lien to our company and that is our security for your payment. When you have paid off your loan, we release the lien by filing a release in the county records.
The closing costs for a loan vary based on the following items: the size of the loan, whether you have a mortgage or not, what type of property you own, the value of your property, etc. The closing costs include all expenses to get the loan such as attorney fees to prepare the loan documents, recording fees, and filing fees with the county. On each loan we verify title and assess the value and the flood plain status of the property. The closing costs are made part of the loan amount so there is no immediate payment required to get the loan. Please contact one of our Loan Officers at 866-PROP-TAX for a quote on what the closing costs will be on your tax loan.
There are no out-of-pocket expenses. All closing costs are rolled into the loan. You do not have to pay a penny out of your pocket to get the loan. The only out-of-pocket expense is after you have paid off the loan. There is a charge of $110.00 to prepare and file the release of lien.
The maximum interest rate allowed by law on a tax loan is 18%. Our average interest rate is lower than that. Please contact one of our Loan Officers at 866-PROP-TAX for current loan rates.
That is up to you! We have payment plans where you can take up to 10 years repaying your loan. The longer the payment period, the lower the monthly payment will be. We also offer an "interest only” loan which features the lowest monthly payment possible. Remember there are no prepayment penalties, so you can pay off any of our loans at any time without penalty.
Though every county is different, county charges for delinquent tax penalties, interest, attorney fees and court costs can range up to 47% of your taxes in the 1st year and 1% each month every year after. The sooner you obtain a tax loan, the more money you save by avoiding the penalties and interest that the county is charging you. More importantly, with a tax loan from us, you will avoid the county foreclosing on your property for non-payment of taxes. Call 866-PROP-TAX and ask one of our Loan Officers to assist you with calculating your total savings.
Your tax bill gets bigger and bigger, and at some point the county will foreclose on your property and have it sold at a public auction on the courthouse steps. The county then applies the money from the foreclosure sale to pay the taxes. You can avoid this situation by obtaining a tax loan and paying off the county now.
Under Texas law, the county may not accept a payment plan that is longer than 3 years. We offer loans with terms up to 10 years resulting in a lower monthly payment. Call one of our Loan Officers at 866-PROP-TAX to discuss the costs savings with one of our loans.
We do not report our loans on your credit.
That is not a problem. In most cases we can make a loan to cover all of the unpaid taxes, penalties, and interest, even if it is for many years worth of tax debt. We can pay current and past year’s taxes in one loan.
Yes. We are usually able to pay off all of the tax debt on all of your properties in one loan.
Yes. If you are in good standing, just call one of our Loan Officers at 866-PROP-TAX to discuss a loan for subsequent year’s taxes.
If the property is your residence homestead and you are 65 years of age or older or if you have a disability for purposes of payment of disability insurance benefits, you do not need a tax loan. You are eligible to "defer" your taxes on your residence homestead with the county. Call us to discuss the possibility of a deferral at 866-PROP-TAX. For more information on eligibility, click here
to visit our "Do I Qualify?" page.
Autopay or "Auto draft"
Many of our customers prefer having their payments auto drafted each month. You can set this up by downloading and completed our ACH form. Download ACH Form Here.
Over the phone by e-Check, ACH, Credit Card, or Debit Card
You can call our servicing team at 866-456-3839 to schedule a payment. Pre-paid cards cannot be used.
Online or Web Payment
E-check, ACH, Credit Card, or Debit Card payments can be made at www.payhktx.com
. The company code is HKT and your pin is the last four digits of your social security number. Pre-paid cards cannot be used.
Payment by mail
You can mail a payment to the address below. Please be sure to include your account number on the check or money order.
7200 N. MoPac, Suite 120
Austin, TX 78731
Call us at (866) 456-3839 and ask to be set up with recurring ACH payments or download our ACH form
and return to us via mail, fax, or email. ACH is free of extra fees and ensures that your payment is always received on time! Download ACH Form Here.
Yes, you can make a partial payment. Please be aware, however, that if a partial payment is received, the funds are placed in a reserve account and are not applied until a full payment has accumulated. If your contractual payment is not made within 10 days following the due date, you will be charged a late fee even if you have paid part of it prior to that time.
Yes. There is no prepayment penalty, so you can pay the loan off at any time. For example, if you pay the loan off in 90 days, you would only owe 90 days worth of interest.
Yes. You are only required to make your minimum monthly payment. You can pay more than your normal monthly payment any time you want to. If you send in more, that additional amount will be applied to your principal loan balance and your loan will be paid off ahead of schedule.
Sometimes it’s hard to make a monthly payment on time; sometimes it’s impossible. We understand; it happens. If you’re having a rough month and think you might not be able to make your payment on time, give us a call right away at (866) 456-3839. It is always better to talk to us about the situation than to avoid us.
Under Texas law you will be given notice of the default and the opportunity to cure the default. Foreclosure proceedings could be initiated if the default is not cured. Our policy is to work with you to get caught up on your late or past due payments.
We send a statement of account as a courtesy, so you can review your account information, and as a reminder that you have an upcoming payment.
Your unpaid principal balance is available in the statement summary section in the upper right-hand corner of your most recent statement of account. If this is not available or you need a full payoff statement, then you can call our loan servicing department at (866) 456-3839.
It is important that you contact us as soon as possible. Our loan servicing agents will be able to review your specific situation and provide you with your options.
Your account number is displayed in the upper right-hand corner of your most recent statement of account. If this is not available, you may call our loan servicing department at (866) 456-3839.
On occasion, Hunter-Kelsey may update your account number and/or payment mailing information to comply with requirements from our banks. This change will not impact any terms on your loan, including interest rate, due date, payment amount, loan balance. We realize the difficulties associated with such changes and work to minimize them for our clients.
Your mortgage company should know that the tax loan was created when we paid your property taxes. Our philosophy is to work in cooperation with mortgage lenders and help our common customer successfully pay their mortgage and taxes to maintain ownership of their property. From time-to-time, banks or mortgage companies will have questions about our loans or may seem upset that our clients took a loan to pay property taxes. With your permission, we are more than happy to speak to your mortgage company. You can call us at (866) 456-3839 with their information and we can speak to them together or we can speak to them without you.
In most cases. After the end of every year, we will send the borrower on record an IRS Form 1098 statement if more than $600 of interest was paid on the loan. If your loan did not meet this threshold or you need help finding how much interest you paid for the year, please call us at (866) 456-3839.
Although we do not report payment history to the credit agencies, extended periods of non-payment may result in legal action which could be filed in the public records.
Pursuant to applicable law, Hunter-Kelsey is required to obtain certain information regarding the decedent and their estate. This information will allow us to correctly identify the responsible parties on the account, speak with authorized representatives of the decedent’s estate, and make any necessary changes to the account. The documents we need are as follows:
- A certified copy of the decedent’s death certificate, AND
- A document establishing the identity and legal interest of the successor in interest to the property – for example, a signed will, deed, probate documents, small estate affidavit, trust document, or court order.
We need these documents as soon as possible in order to continue to accurately servicing the account. Do not send originals because they will not be returned to you. You may mail, fax, or email these documents to Hunter-Kelsey at:
7200 N. MoPac, Suite 120
Austin, TX 78731
You or the title company handling the transaction can request a payoff by emailing firstname.lastname@example.org
or Fax to (512) 482-8737. Please be sure to include the account number, property address(s), & payoff date. If the request is received from a title company, they will have you first sign a document showing that you approve the request.
The release of your lien may take up to 90 days due to county recordation times and other factors. If the time has exceeded 90 days, please contact our customer service department for assistance.
Taxes & Insurance
We may be able to pay these taxes and refinance your existing loan. Please call one of our loan officers at 866-PROP-TAX (866-776-7829) for a quick answer.
Your loan documents require that you maintain hazard insurance on your property if the loan amount is above $30,000 or if the loan-to-value ratio is above 30%. The insurance policy should name the lender (Hunter-Kelsey) as a mortgagee.
Should there be a lapse in coverage, we may purchase a lender placed insurance policy at the property owner’s expense.
Please send a copy of the policy along with proof of payment by mail, fax, or email to:
7200 N. MoPac, Suite 120
Austin, TX 78731
Protect Yourself From Fraud
Scam artists are stealing millions of dollars from distressed homeowners by promising immediate relief from foreclosure. If you receive an offer, information, or advice that sounds too good to be true, it probably is. Don’t let them take advantage of you, your situation, your house, or your money.
- Beware of any person or organization that asks you to pay a fee in exchange for housing counseling services or modification of a delinquent loan.
- Beware of anyone who says they can “save” your home if you sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or individual unless you are working directly with your lender to forgive your debt.
- Never make your loan payments to anyone other than your lender without their approval.
- Don’t sign papers in exchange for a promise that someone else will pay off your loan.
- Legitimate loan servicers want you to call them back. Ask for a main number, check that the number is connected to the agency or lender and call them back. Scammers are disguising their numbers as loan servicer phone numbers and government agency phone numbers, a fraudulent practice more commonly called “Spoofing”. If it doesn’t feel right, call them back on a number you obtain yourself from their website. If they are legitimate: they will be patient and wait for you.