About us

Your experts for association financing.

$350M+
In loans closed: 300+
HOA loans placed since 2016: 30+
Years of banking experience: 20+
Years serving on HOA boards

Who we are

HOA Loan Services is a father-and-son advisory built on 30+ years of banking experience and 20+ years serving on HOA boards. We work only for associations, never the lender. There is no upfront cost, and we are paid at closing. If the loan doesn’t close, there is no fee.

How this started

Built from both sides of the table.

Larry spent 30+ years in commercial banking and 20+ years serving on HOA boards. When his own association needed financing, he assumed it would be a slam dunk. He knew the language, he knew the people, and he’d been on both sides of a loan.

It wasn’t. HOA lending works nothing like a mortgage or a business loan. Most banks don’t do it, the ones that do underwrite it differently, and the terms vary more than anyone expects.

He founded HOA Loan Services in 2016 to make that easier for other boards than it had been for him. Ben joined at the outset and took a larger role from 2020, building the technology, marketing and sales side of the business.

For many associations this is the only loan they will ever take out, and the only one they will ever have to get right.

We are deliberately small. When you call, you speak to the people who structure your loan, not a call center.

What we stand for

Founding principles.

Our mission

Help association boards get the funding to protect and improve their communities.

Our vision

Associations of every size, location and project type can have real financing options.

Our promise

The bank works for the bank. We work for your community. There is no upfront cost, and we are paid at closing. If the loan doesn’t close, there is no fee. A board that understands its options makes a better decision, whether or not it borrows from us.

Our team

The people you’ll actually work with.

Larry Kirschner

Founder

Founder of HOA Loan Services. 30+ years in commercial banking, 20+ years serving on HOA boards, and about 10 years arranging HOA loans.

Larry leads loan structuring and lender negotiation.

Ben Kirschner

Founding Partner

Founding Partner at HOA Loan Services. 10+ years in software and capital equipment business development and sales, and 10 years in the HOA loan business placing association loans.

Ben manages proposals and guides boards from application through closing.

Talk to Larry or Ben directly.

No call center, no handoffs.

Get a free consultation

Modern tools, old-fashioned attention.

Going it alone vs. working with us.

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.

On your own, there are two likely outcomes: approved without knowing whether the terms were good, or declined without knowing whether another lender would have said yes.

What boards and managers say

Trusted by boards across the country.

“My Association has been working with HOA Loan Services for the past year and a half to close a $4.5M loan. Without Larry’s guidance, we would not have successfully crossed the finish line, and certainly not with such a favorable interest rate. 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

“We had the pleasure of working with HOA Loan Services on securing a complex $45M+ loan for our condominium community, and we couldn’t be more appreciative of Larry and Ben’s expertise and dedication throughout the process. Larry was professional, knowledgeable and highly responsive. He helped us navigate numerous challenges, worked with all parties involved, and consistently represented the community’s best interests. His ability to explain complex financing issues, remain patient during difficult negotiations, and find practical solutions gave our Board confidence every step of the way.”

Pamela M.

Talk to the people who would handle it.

Get a free consultation

Larry and Ben structure these loans themselves. No charge and no obligation to start.