Banks sell their own loan. We find the HOA loan that fits your community.

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$350M+
In loans closed: 30+
Years of banking experience: 20+
Years serving on HOA boards: 5.0
28 Google reviews

Why HOA Loan Services

HOA loans are all we do.

We strategize, organize, and place your loan where it’s most likely to succeed. 300+ HOA loans placed since 2016.

Larry and Ben Kirschner

The people who structure your loan.

On your own

With HOA Loan Services

Call banks one at a time

We know which lenders to call

The bank’s rep works for the bank

We work for your community

Hope it’s a good deal

Know it’s a good deal

A good rate can hide a bad structure

We vet the rate and the structure

Waiting on a callback

One contact, start to close

Get declined, start over

We know who’s likely to say yes

Your first HOA loan

Our 300th-plus

Success-based fee. We only win when you do. If the loan doesn’t close, there is no fee.

How we work

Two independent HOA loan advisors on your side of the table.

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 typically ask already answered. Our client portal keeps your documents in one place.

Talk to Larry or Ben

Loan amounts: $100K+; No set maximum. We’ve placed loans from a single roof to a full recladding.
Typical term: 5–20 years; Sized so the monthly cost stays manageable for owners.
Loan structures: LOC + fixed; Draw as the work progresses, then pay on a predictable monthly schedule.
No retainer, no hourly: $0 up front; There is no upfront cost, and we are paid at closing. If the loan doesn’t close, there is no fee.

Loan calculator

See what a loan could look like for your community.

Size your project for a rough monthly estimate, then talk to an advisor who can structure the real thing around your reserves and timeline.

Estimate the monthly cost per unit
Compare 5, 10, and 15-year terms
Bring the numbers to your next board meeting

Open the loan calculator

Loan amount

Loans start at $100,000, with no set maximum.

Term

Units in your community

Annual interest rate

Example rate, not a quote. Ask us for yours.

Enter a loan amount, an interest rate and a unit count to see a monthly figure.

Open the full HOA loan calculator

Case studies

Real communities, real results.

Homeowners Association300 units

Roof replacement and plumbing repair

Palm Springs, California

Loan amount: $2.05 million
Structure: 10-year fixed rate

Reserves preserved for future needs

Condominium Association491 units

Elevator modernization, plumbing and HVAC stacks and risers

Chicago, Illinois

Loan amount: $30 million
Structure: Line of credit → 25-year term

No lump sum special assessment

See all case studies

What boards and managers say

“It was clear from the start that the expertise provided by HOA Loan Services was indispensable during the long process of securing a loan.”

Bill M. · Montgomery County, MD

From the blog

Answers for boards and managers

Loan basics
HOA Financing Options for Small Associations (50 Units or Fewer)
Small associations sit in an awkward spot in the HOA lending market. Smaller loans face higher lender minimums, fewer bidders, and sometimes wider spreads than larger deals, though we arrange financing for projects from $100,000 with no set maximum. This post walks boards under 50 units through the real economics, which lenders actually bid on small deals, and the document discipline that makes a $500K loan close cleanly. Plus a four-question FAQ and next steps.
Ben Kirschner · November 11, 2026
Loans vs assessments
How Property Managers Can Use HOA Lending to Win Boards
Board retention comes down to who solved the last hard problem. When a reserve study lands badly, a special assessment gets voted down, or an insurance claim leaves a six-figure gap, the property manager who introduces a financing path wins the account. Doing that without stepping into a fiduciary role requires a specific framing. Here are the three moments to bring lending up, the language to use, and how our client portal keeps the paperwork off your desk.
Ben Kirschner · November 11, 2026
Loan basics
Case Study: A 12-Unit Townhome Association's First HOA Loan
A real case study drawn from small association work. A 12-unit townhome community with a failing private road, $22,000 in reserves, and a $180K project. Small associations have fewer lenders to choose from. This walks through the situation, the challenge, the four lenders approached (three passed, one said yes), the final structure (10-year fully amortizing, fixed rate, no balloon), and the lessons every very small association board should take from it. Ends with a consultation CTA aimed at similar boards.
Ben Kirschner · November 11, 2026