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Explore our blog for expert answers to your HOA loan questions, plus practical advice for making sound financial decisions for your community.
New Fannie Mae & Freddie Mac condo financing rules are here. Learn key 2026–2027 changes, reserve requirements, and what HOAs must do to stay warrantable.
HOA loan rates in August 2026 sit in the 6.40 to 7.05 percent range, driven by a 10-Year Treasury holding between 4.20 and 4.35 percent and lender spreads of 220 to 270 basis points. The July FOMC held rates steady, and Jackson Hole speeches later in August could reshape the yield curve. This rate watch covers the specific numbers, the context that matters for HOA lending (not the Fed narrative), and three scenarios for boards at different stages.
HOA loan rates July 2026 sit modestly below where they did in June. The 10-Year Treasury anchored near 4.30%, lender spreads held in the 220 to 270 basis-point range, and implied HOA loan rates landed at 6.50% to 7.00%. The June FOMC held steady. The July Treasury refunding announcement signaled longer-end issuance on the lighter side. This post translates those movements into board-level scenarios: planning a Q4 project, holding a loan above 8.25%, and weighing a five-year balloon refinance.
A take piece on special assessment vs HOA loan choices. Boards default to the special assessment because it feels responsible. The math tells a different story, and the equity argument is stronger than most boards realize.
A practical framework for how to choose HOA financing covering loan scope, structure, source, and service. Includes the common mistakes boards make under deadline pressure and an FAQ for first-time borrowers.
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