Home Tax Solutions Houston Office

What Home Tax Solutions Houston Office does

Home Tax Solutions, LLC is a privately held Texas specialty finance company founded in 2012 by Trey Rome (a fourth-generation Texan and former Amegy Bank private-equity acquisition finance VP) and headquartered in Dallas. The company originates property tax loans that pay delinquent Texas property taxes directly to the county on behalf of residential and commercial property owners, then replaces the lump-sum obligation with a fixed-rate, monthly-amortizing loan (terms from 1 to 10 years, no cash due at closing, no credit check, optional up-to-12-month payment deferral). Loans are secured by the tax lien transferred from the county to the lender, and the company states it has never foreclosed. Underwriting is collateral-based, producing a stated 99% approval rate and same-day decisions, with most closings completed within 48 hours.

The operating model combines licensed-loan-officer inside sales, a self-serve online application, mobile closing agents, and a virtual notary, supported by a cloud-based loan processing system and Salesforce CRM. Distribution is anchored by five Texas offices (Dallas, Houston, Austin, San Antonio, McAllen) covering all 254 Texas counties, plus a Referral Partner Program (paying $150 per closed loan) and a wholly-owned commercial division called TaxCORE Lending, which adds a broker/broker-dealer channel for larger commercial deals. Marketing mixes content, organic social, PR/earned media, community sponsorship, and industry association leadership (the CEO is president of the Texas Property Tax Lienholders Association).

Revenue is generated primarily through interest income on originated property tax loan principal, supplemented by ancillary fees; pricing is quote-based with rates fixed for the loan term and a $100 rate-match guarantee. Growth capital has come from two securitizations completed with Guggenheim Securities and rated by KBRA (the second, HTS Fund II, was oversubscribed), with no traditional venture backing. The company is BBB A+ rated and has logged multiple Inc. 5000 appearances, consecutive BBB Pinnacle Awards, and an EY Entrepreneur of the Year 2026 Southwest Award for the CEO.

Name

Home Tax Solutions Houston Office

Legal name

Home Tax Solutions, LLC

Website

https://hometaxsolutions.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Home Tax Solutions is a Dallas-based specialty finance company that originates fixed-rate property tax loans for residential and commercial property owners across all 254 Texas counties, paying delinquent taxes directly to counties and replacing them with monthly amortization plans.

Ownership category

akta.pro rank

Product category

Property Tax Lending

NAICS

Title Abstract and Settlement Offices (541191)

akta.pro primary industry

Refund Anticipation Loans (RAL) & Tax Advance Credit (FSAKAMAH)

akta.pro secondary industries

Property Tax & Municipal Lien Search Services (BPAJAOAJ), Document Preparation & Recording Services (Deeds, Liens) (BPAJAOAG)

Keywords

• Property tax loans
• Specialty finance lending
• Residential property loans
• Commercial property loans
• Tax lien financing

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Property Tax Loans: Home Tax Solutions pays delinquent property taxes directly to the county on behalf of the borrower, then the borrower repays the lender over time through fixed monthly payments at a low interest rate. The company generates revenue from interest charged on the loan principal. The loan is secured by a tax lien transferred from the county to the lender. The company has never foreclosed on a property.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Home Tax Solutions pays delinquent Texas property taxes directly to the county on behalf of property owners, then sets up fixed-rate, fixed-term monthly repayment loans secured by the tax lien transferred from the county to the lender. The company offers residential and commercial property tax loan products with terms of 1 to 10 years, no credit checks, same-day approvals, 48-hour closings, payment deferrals up to 12 months, and no prepayment penalties.

Product overview

Home Tax Solutions operates a single unified property tax lending platform focused exclusively on Texas. The core product is the Property Tax Loan, which is offered in two main variants: Residential Property Tax Loans for homeowners and Commercial Property Tax Loans for business properties. A subsidiary brand, TaxCORE Lending, handles larger commercial transactions. Supporting tools include a Property Tax Loan Calculator and a Referral Partner Program. The company emphasizes no credit checks, same-day approvals, no cash due at closing, and payment deferrals up to 12 months.

Differentiator

Problem solved

Functional benefit

Brands

• TaxCORE Lending: A division of Home Tax Solutions focused on commercial property tax lending, serving business owners, developers, and investors throughout Texas with commercial tax loan products.

Products and services

• Residential Property Tax Loans Fixed-rate property tax loans for Texas homeowners behind on property taxes. Repayment terms of 1-10 years, no credit checks, same-day approvals, payment deferrals up to 12 months, no prepayment penalties, and no cash due at closing. The company pays the delinquent taxes directly to the county within 48 hours and replaces the lump-sum burden with a fixed monthly payment.
• Commercial Property Tax Loans Tailored property tax loans for Texas commercial property owners including office buildings, industrial plants, retail stores, hotels, warehouses, and rental properties. Designed to protect business assets, optimize working capital, and avoid foreclosure from escalating county penalties (which can exceed 47% of the tax bill annually).
• TaxCORE Lending Commercial property tax lending division focused on larger commercial transactions including raw land, commercial buildings, and loans for business owners, developers, and investors throughout Texas. Operates as a wholly-owned subsidiary brand of Home Tax Solutions with its own broker channel.

Quantifiable outcome

• 99% approval rate for loan applications; most approved within the same day
• +4 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Texas Property Tax Lienholders Association (TPTLA)coreStrategic or Co-development PartnerHome Tax Solutions is a member of the Texas Property Tax Lienholders Association (TPTLA), which promotes awareness of property tax loan availability and sets industry standards. CEO Trey Rome serves as the current president of TPTLA.
• Texas Office of Consumer Credit Commissioner (OCCC)coreOthersHome Tax Solutions is regulated by the Texas Office of Consumer Credit Commissioner (OCCC), which creates a fair, lawful, and healthy credit environment for Texans. Property tax lenders in Texas must be licensed through this regulatory body.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Propel Financial Services: Propel Financial Services is a Texas-based specialty property tax lender that is one of the most direct competitors to Home Tax Solutions. Multiple HTS VPs and loan officers (Farah Galvan, Melanie Cardenas, Jessica Torres, Shawnae Menchaca) previously worked at Propel, underscoring the head-to-head overlap in customers, products, and licensing footprint.
• Rio Tax Loans: Rio Tax Loans is a Texas property tax lender that directly competes with Home Tax Solutions in the residential delinquent-tax borrower segment. VP of Sales Rebecca Palacios and loan officer Shawnae Menchaca both came from Rio Tax, indicating deep operational overlap and similar customer targeting.
• ReTax Funding: ReTax Funding is a Texas property tax loan originator that competes in the same niche. Closing Coordinator Kaye Hamblin worked at ReTax before joining HTS, evidencing direct personnel crossover and confirming ReTax as a comparable specialty lender operating in the same Texas market.
• Republic Tax Lien: Republic Tax Lien is a specialty property tax lender that originates loans for delinquent property taxes. Although its geographic footprint is wider than HTS, the core product, customer profile, and revenue model (interest income on tax-lien-secured loans) align closely.

Broad incumbents

• Tax Ease: Tax Ease is one of the largest US property tax loan servicers/lenders, operating across multiple states. While broader than Home Tax Solutions' Texas-only footprint, it is comparable in core product (residential and commercial property tax loans) and serves a similar economically distressed borrower segment.
• Nationwide Tax Liens (Axos Financial): A subsidiary of Axos Financial, Nationwide Tax Liens is a broader specialty tax lien / property tax lender with a national footprint. It is comparable in product and target borrower, though it operates at a meaningfully larger scale and across more states than the Texas-focused Home Tax Solutions.
• Figure Technologies: Figure Technologies is a fintech-led specialty lender using blockchain and digital processes to offer consumer credit products including home equity-related financing. While broader than HTS, Figure represents the kind of capital-rich, technology-enabled competitor that could eventually encroach on the Texas property tax loan space.
• Mariner Finance: Mariner Finance is a large specialty consumer lender serving subprime and non-prime borrowers with personal and home-related credit products. While not a property tax lender specifically, it overlaps in customer profile (subprime, distressed, in-person branch model) and is broadly comparable as a specialty consumer finance peer.

Emerging players

• Lendora: Lendora is a digital-first property tax lending platform focused on modernizing the borrower experience. It is comparable in underlying product (property tax loans) but represents an emerging, more technology-led approach that could disrupt traditional inside-sales models like Home Tax Solutions.
• PropertyTax.io: PropertyTax.io is a newer entrant focused on simplifying property tax payments and short-term financing. It is comparable thematically but operates at a smaller scale and with a different distribution model than the established Texas footprint of Home Tax Solutions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/hometaxsolutions
• Instagraminstagram.com/hometaxsolutions
• Xx.com/HomeTaxSolution
• LinkedInlinkedin.com/company/mcgrady-flp

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Home Tax Solutions Houston Office