Right of redemption after tax foreclosure

[Philip M.]

I have experience with purchasing property before at the tax sale but it has been a few years. I recently purchased one. I am being told that when I decide to refinance (BRRRR) that I can't get clear title for two years. Right of redemption in Texas is 24 months for homestead and 180 days for non-homestead. Previous owner moved out about eight years ago. All the court documents for the foreclosure were sent to them at an address other than this property. In the past I have been able to refinance after 180 days. The title insurance company (who I have used before) is saying 2 years. I suspect that someone challenged the 180 days, won the case and now they are now dictating 2 years are required. I am being told that nothing has changed, but it has. Has anyone else had a similar experience?

[Greg H.]

The law has not changed. However, title companies have decided the risk is too great and will not Issue Title Insurance until the 2 year mark.