Why November Is the Smartest Time to Refinance Your Property Tax Loan
If you’re a Texas property owner, the end of the year can feel like a race to wrap up loose ends. Between holiday commitments, year-end budgeting, and preparing for the year ahead, the last thing you want is another financial stressor, especially a new property tax bill.
At Johnson & Starr, we specialize in taking that weight off your shoulders by offering options to help. As 2025 tax statements begin arriving, many homeowners and business owners are realizing that paying off last year’s loan while preparing for the new bill can be overwhelming. Bundling can help you stay afloat, while refinancing your property tax loan during the fourth quarter is a strategic way to simplify your finances heading into the new year.
Here’s why Q4 is the ideal time to act.
New 2025 Tax Bills Are Arriving Soon—Bundle Early to Stay Ahead
Most Texas counties begin mailing out 2025 property tax bills in October and November. These bills are due by January 31, 2026, and penalties start on February 1.
If you’re already carrying a property tax loan, juggling two separate obligations can get complicated fast.
Refinancing now allows you to:
- Combine your existing loan with your new 2025 tax bill
- Reduce multiple payments into one manageable monthly payment
- Avoid escalating county penalties and collection fees in the new year
Instead of tracking different due dates, interest rates, and county notices, you’ll have a single, predictable payment to make budgeting easier.
Refinancing Before the Year Ends Can Save You
Here’s why Q4 is a particularly good time to refinance.
1. Possible Lower Interest Rates
Interest rates fluctuate throughout the year. If your original rate was locked in during a higher-rate period, refinancing could secure a better rate, saving you money over time.
2. Simplified Payments + Fewer Surprises
Rolling multiple obligations into one payment provides:
- Fewer deadlines
- No confusion about what is owed to whom
- A clearer picture of your financial plan for 2026
3. Avoid February Penalties
County penalties and interest start February 1, and they add up fast. They can grow up to 41% in the first year, depending on the county. Refinancing now positions you to get ahead of those costs before they start.
4. End the Year with Peace of Mind
The holidays already come with a full plate. The last thing you want is anxiety over unpaid taxes or uncertainty about how you’ll handle the new bill.
Refinancing now ensures:
- Your 2025 bill is handled
- Your loan is in good standing
- You can enjoy the season without financial stress hovering in the background
Start the New Year Without Tax Stress
Finances feel lighter when everything is organized and manageable. Refinancing your property tax loan before December 31 can make the difference between scrambling in February or walking into 2026 with confidence.
At Johnson & Starr, our loan experts make the process quick, transparent, and pressure-free. We’ll help you review your options and determine the best way to combine your tax obligations into a single, budget-friendly plan.
See how easy it is to bundle your 2025 bill today. Contact us to speak with a Johnson & Starr loan officer.