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.”
Reserve study HOA loan pairing works best with a 12 to 18 month runway. The reserve study feeds every underwriting decision, and studies with stale inflation assumptions, missing components, or unrealistic funding plans slow the process. Here is how to sequence a study refresh with a loan application, with a worked example and four-question FAQ.
HOA treasurer capital planning has one October question worth asking out loud: if we started the loan process today, could we close by our fiscal year end? Most boards learn the answer is no, and by then it is too late. Larry Kirschner on the ninety-day reality and what a treasurer should do this month.
Three reserve study changes taking hold in 2027 and what boards should do in Q1. Inflation assumption norms are shifting as lenders push back on outdated assumptions. Condition-rating photo documentation is moving from optional to effectively standard at many lenders. And your funded position is weighed against the rest of the file rather than treated as a pass mark. Specific Q1 2027 action items for boards planning to borrow.
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.
