Actually it makes perfect sense how she got behind on her taxes. When you aren't paying a monthly mortgage payment (that include part of your yearly tax bill each month), you can sometimes get overwhelmed by the monster tax bill especially if you have no savings and are living month to month.

If I understand your question correctly, you are asking how your friend might be able to get a loan on the house she owns to pay the taxes. This is a catch 22 situation. A lender will not give a loan until the tax debt is cleared up first. Considering the small amount needed you might be able to use an alternative lender like a pawn shop or simply begin making payments to the tax office until caught up.

Most of your post is irrelevant. She's behind in her property taxes because she hasn't paid them. Check with your county tax collector. In most states a county will sell tax certificates for unpaid taxes but after a period of time (usually 3 years) the holder of a tax certificate can apply for a tax deed, which forces an auction of the property. Your friend should talk to the county as some county's will accept payments for taxes.

So they own a home free and clear and bring in $3200/mo in government benefits? If they can't pay their property taxes on that, they need to sell the home - not borrow more money.

Property taxes and mortgage are independent of each other. She cannot manage her money and no one will loan to her.

you say you don't know why? Easy - she can't manage her money. It really is that simple.

Her previous home being foreclosed on has no bearing on her being behind on her current taxes.

Credit has no bearing on her being behind on her taxes.

No one will lend to her to pay the property taxes. If she already can't pay them, how will she possibly pay the loan back?

I have a friend who is 2 years behind on their property taxes, about $4,800, and I don't know why that is. The home has NO mortgage, her husband passed away a few years ago and she used the insurance money to buy a new one, the problems are A- She let her previous home, get foreclosed on. B-Her credit isn't very good and C-The only income she has is SSI for her children, which is about $2,000 a month and a part time job, which pays $1,600, she also remarried her husband gets SSI OF $1,200. She went to a few banks and no one was able to her. My question is will a hard money company be able to help, and if so where should she start looking. Thank you in advance for all replies.