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Texas Royalty Loans

4.7 (2) 2
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Emily Thompson
Jul 15, 2023
I'm really impressed with how seamless the loan process is at Texas Royalty Loans. They provided me with exactly what I needed without hidden fees!
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Jessica Wang
Feb 20, 2023
Fantastic service! Managed to get a loan while keeping my mineral rights intact. Highly recommend!
Frequently asked questions
help_outline Is there a penalty if I pay off the loan early?
No. There is absolutely no penalty. You may pay off the loan at any time!
help_outline How will I make my payments to Texas Royalty Loans?
Your loan payments will be directly sent to Texas Royalty Loans from the producing well operator. Your monthly royalty income payment represents your monthly loan payment. We will release all liens associated with your loan when the balance is paid in full.
help_outline Who pays my ad valorem taxes on my royalty during the term of my loan?
Texas Royalty Loans will pay the ad valorem taxes each January during the term of your loan. The ad valorem taxes are paid by Texas Royalty Loans on your behalf and are reimbursed from the monthly royalty check.
help_outline How soon will I start receiving my royalty income again?
Once your loan is paid in full, Texas Royalty Loans will re-direct the royalty payments back to you.
help_outline What type of loan will I have and what will be the interest rate?
Your Texas Royalty Loan is a collateral loan that is secured by your mineral ownership interest; the interest charge is generally calculated on a monthly basis and determined by the average daily balance of your loan amount. Interest rates are usually 10%, but can vary due to the rate environment.
help_outline What determines the amount of loan I can receive?
Your loan amount will be determined primarily by two factors: the quality of the producing well and the amount of your monthly royalty payment.
help_outline Is there a minimum loan amount?
Yes. The minimum loan amount is $15,000, and to be eligible for a loan, your monthly royalty check from the production company should be a minimum of $500.
help_outline What are the terms of a Texas Royalty Loan and how are my payments calculated?
Loan terms generally range from five to seven years, and your loan payments will be calculated based on your monthly royalty check.
help_outline What personal information does Texas Royalty Loans need to process my loan application?
A copy of the two most recent monthly royalty check stubs or statements will start the process.
help_outline Can I still qualify for a Texas Royalty Loan if I have a low credit score or poor credit history?
Your producing mineral interest is your credit, and we do not factor your personal credit standing in our loan approval process.
help_outline Will I have any personal liability associated with the loan?
No. You have no personal liability with a Texas Royalty Loan.
help_outline Are there fees associated with a Texas Royalty Loan?
No.
4.7
3 reviews

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What We Offer

Loan Services

Royalty Loan
A collateral loan secured by mineral ownership interest, providing funding based on royalty income.

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