Who Are We?

Texas Homeowner Help (THH) is a sponsored division of American Finance & Investment Co., Inc. (AFIC). THH’s mission is to provide a free prequalifiation assessment to Texas Homeowners interested in the Texas Homeowner Assistance Fund (Texas HAF). That program is administered by the Texas Department of Housing and Community Affairs TDHCA. We are not the Texas Homeowner Assistance Fund. Similarly, Texas Homeowner Help does not distribute the Federal aid nor does it approve its disbursement. For those that fill out the adjacent form, our expert team will do an expedited preliminarily assessment. For those that qualify, we will inform you as such and provide resources to facilitate your application to the Texas Homeowner Assistance Fund. When our team doesn’t believe you will qualify, we’ll let you know why and provide external resources - at your election only - one of which may be AFIC.

What Happens to My Data?

Your data will be utilized by Texas Homeowner Help experts only. It will not be shared with any 3rd parties nor will you receive any calls, texts, or emails from anyone other than Texas Homeowner Help.

What is the Texas Homeowner Assistance Fund?

Keep your money! The American Rescue Plan Act provided $9.96 billion in funds to help CoVID-19 affected homeowners with their property related expenses. Fund recipients are not required to repay the funds. These funds are not a loan, but a grant, free of future restrictions or requirements to Texas families that need property tax help. A prequalification assessment is as easy as 1-2-3. Click here for a Prequalification Assessment.

What Help Can I get?

Assistance with property taxes falls under the Texas Homeowner Assistance Program, Property Charge Default Resolution Program. Eligible participants can qualify for up to $25,000 in property tax assistance. Further, applicants can obtain $40,000 of additional mortgage assistance, for a total benefit of $65,000 per household. Similar to the property tax assistance, the mortgage funds are a grant and not a repayable loan. Property tax assistance includes your current delinquent taxes and any property taxes coming due within the next 90 days; a tremendous program enhancement. This means applicants approved within the months of August thru January, not only will get their delinquent property taxes paid, but also qualify for the current and/or next years’ property taxes to be paid.

How Do I Qualify?

Here are the principle qualifications:

CoVID-19 Related Financial Hardship – This is a self attested representation and might be something like losing your job, reduced hours at work, or increased expenses due to CoVID-19 validated by showing a reduction in W2 wages or something similar

Past Due Payments – Unpaid property taxes, HOA fees, delinquent mortgage payments, or other payments that threaten sustained property ownership

Income Level – Making less than the greater of, (i) 100% of your Area’s Median Family Income or (ii) 100% of US Median Family Income. Both metrics are adjusted for family size and are surprisingly high. Our prequalification assessment tool will do the thinking so you don’t have to.

What Will I Need?

After you are prequalified, you’ll be ready to start on the online application process YouTube Application Video (more detailed info here: YouTube Info Video). The Texas Homeowner’s Assistance Program requires a handful of documents to be submitted. Those documents include an ID, proof of occupancy, income sources and amounts, and statements showing your past due property taxes or other obligations. You will summarize the income of your household and the amount of your outstanding obligations. From there, you can check on the status of your application within their online portal.


Once you are approved, the Texas Homeowner’s Assistance Program will work with your respective vendors. The program will pay your property taxes, mortgage, and other payments directly to the parties needing the funds. Congress provided this program to help the American people as part of the Rescue Act. As a Texas resident and US taxpayer you are entitled to its benefits.