What Are the Benefits to Refinancing Your Texas Property Tax Loan?
If you currently have a property tax loan and have recently received your 2025 bill, you may be wondering what options you have. Paying your 2025 bill may still be difficult before the February deadline. In many cases, refinancing your property tax loan can offer real financial advantages – especially if your circumstances or interest rates have changed since you first borrowed.
Here are some of the key benefits to consider:
1. Take care of a large bill before interest and penalties add up
If your 2025 property tax bill goes unpaid by February 1, penalties and interest from your county can add up fast. Refinancing your existing property tax loan can help you get ahead of the curve by paying off what’s owed before those extra costs start accumulating. It’s a proactive step that can protect your home and help you regain control of your finances.
2. Simplify your property tax payments with one easy bill
If you are considering juggling multiple payments – such as a property tax loan and a separate payment plan with the county – refinancing can combine everything into one manageable monthly bill. That means less stress, fewer deadlines, and a clearer picture of your overall budget.
3. Potentially lower your interest rate
Just like refinancing a mortgage, property tax loan refinancing may come with an opportunity to negotiate a better interest rate. In fact, right now existing Johnson & Starr customers are eligible for a special discount. If you are currently a Johnson & Starr client, and you are approved for a refinance before Dec 31, 2025, you can receive:
- 2% off of your current loan’s interest rate, AND
- $150 off of closing costs
How do you know if you’re eligible?
Every situation is unique, and eligibility depends on a few factors – including your payment history, the amount you owe, and your current property value. The best way to find out what’s possible is to talk with a property tax loan expert.
At Johnson & Starr, our experienced team can review your situation and explain your options clearly, without pressure. Contact us today to learn whether refinancing your Texas property tax loan could help you save money and simplify your payments.