HOA Loans

Is your community hamstrung by rising insurance costs and increasing deferred maintenance?

Homeowners Associations and Condo Associations deserve better.
Talk to an Expert
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Loans Funded

$250+ Million

Lenders In

50 States

Your Experts for HOA Financing

With 30+ years of banking experience, our team specializes in navigating the complex world of HOA lending. We advocate for HOA and condo communities, and the boards and property managers that keep them running.

We empower our clients to take control of their community's finances. With free consultations and nationwide services, we help you make the best financial decisions for your community's future.

Experience Matters

HOA Loan Services knows the lingo, the gotchas, and every string banks attach to a community association loan.

We partner with boards across the country to cut through the confusion so you never feel like you’re agreeing to something you don’t fully understand.

With loan options for every community association, we give HOAs a level playing field when applying for a loan.

A condominium building with images showing how property value can increase by taking care of repairs.

Expert Insight

Sometimes, bankers and loan providers can get so caught up in their own world that they forget you’re just a visitor. Let HOA Loan Services be your guide. We break down the acronyms and buzzwords so you can focus on the facts to make the right choice for your capital project funding.

A condominium building with images showing how property value can increase by taking care of repairs.

Unbiased Advice

At the end of the day, the bank's employees are looking out for the bank. We look out for you and your community, period. HOA Loan Services is a financial partner. That means our only goal is securing the right financing for your community’s needs. We don’t get paid unless your community gets approved.

A condominium building with images showing how property value can increase by taking care of repairs.

Tailored Solutions

With over 30 combined years of financial expertise and 20 years serving on community association committees and trustee boards, HOA Loan Services has experience from every angle. We understand the complexities community associations face when seeking out financing opportunities, and we firmly believe it shouldn’t be so hard.

A condominium building.

Try Our HOA Loan Calculator

Looking for a quick estimate on your HOA loan? Our easy-to-use calculator provides a simple and convenient way to get an idea of what your payments might look like.

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Client Testimonials

Jeff Points

Let me start by saying that I have 20 years of experience in the loan brokerage business so I am very familiar with the process and I have high expectations from a broker. Larry and Ben met and exceeded every one of my expectations...

Dennis and Maria

As the president of my COA we were about to take on a $20 million dollar construction project. Having been underfunded in our reserves for years we needed to take a big loan. Considering we could not leverage individual units...

Timberedge Condominiums

We worked with Larry Kirschner who was responsive, informative and supportive through the entire process. If you are an HOA that isn't sure really how to begin this process, HOA Loan Services is the way to go.

Waterview Estates

As Board Treasurer, I worked directly with Mr. Kirschner to secure bank financing for our condo association. Mr. Kirschner was always proactive and responsive to the many challenges this process entailed and demonstrated great perseverance...

Featured Blog Posts

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Interpreting HOA Banking Trends in a Changing Rate Environment

HOA lenders change rapidly, it's our job to understand this market and to help guide our clients. Learn about the decline of value in HOA lending and the surge in HOA deposit gathering
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Images of buildings and condominium complexes.

Neighborly Etiquette: Navigating HOA Community Interactions

Learn how to navigate the ins and outs of HOA community interactions with this comprehensive guide on neighborly etiquette.
Read More
Images of buildings and condominium complexes.

Navigating the Corporate Transparency Act: Brace Yourself for Stricter Oversight for HOA Boards

HOA Loan Services can help your Homeowners Association prepare for HOA regulatory changes, stricter oversight, reporting requirements and the potential financial implications ahead.
Read More