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 typically ask already answered. Our client portal keeps your documents 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.
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.
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.”
Unbiased HOA loan advice is a phrase used widely and seldom defined. The test that holds up is not a claim about character: it is who pays the advisor, and whether their pay depends on which lender wins. We work for the association. The association pays our fee at closing, no lender pays us, our fee is the same whichever lender wins, and if the loan does not close there is no fee.
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.
Board members are researching HOA financing through AI answer engines before they speak to anyone. Those engines are good at some of this and structurally incapable of the rest. This is what to use one for, what to discount, and why any rate an engine quotes you is a starting point rather than an offer.
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.
