We strategize, organize, and place your loan where it’s most likely to succeed. 300+ HOA loans placed since 2016.
You tell us about the project. Larry and Ben size the loan to what the work actually costs, structure it around what your dues can carry, and take it to the lenders most likely to approve a community like yours, with the questions they always ask already answered. Our client portal keeps every offer, document and deadline in one place.
Size your project for a rough monthly estimate, then talk to an advisor who can structure the real thing around your reserves and timeline.
Loans start at $100,000, with no set maximum.
Enter a loan amount, an interest rate and a unit count to see a monthly figure.
Reserves preserved for future needs
No lump sum special assessment
“It was clear from the start that the expertise provided by HOA Loan Services was indispensable during the long process of securing a loan.”
HOA loan fiscal year timing determines whether spring construction happens on schedule. Most HOA fiscal years are calendar, project seasons are spring, board terms flip in January. Start applying 3 to 6 months before you need the cash or break ground. Here is the full timing analysis with the mistakes we see boards make.
New HOA board members inherit financial obligations they did not sign up for. This 90-day plan walks a first-term board member through the governing documents, reserve studies, assessment structures, and loan vocabulary they need to make informed decisions. We cover the specific documents to request from the outgoing board, the questions to ask the property manager, and the reading order that turns a volunteer into a competent fiduciary before the first loan discussion arrives.
December is the best preparation month in the HOA lending calendar. Lending desks, board calendars, management companies and accountants all run short-handed through the holidays, so a file submitted then moves slowly. A file assembled in December and submitted the first week of January moves fast. Here is what to gather, what your board should settle offline, and why the conversation should start now rather than in January.
A walkthrough of qualifying, approvals, and structuring a loan: everything a board needs before the first lender conversation.
We’ll talk with any board at no charge and no obligation, just answers.
