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  • Board operations

    A New Board Member's 90-Day HOA Loan Education

    New HOA board members inherit financial obligations they did not sign up for. This 90-day plan walks a first-term board member through the governing documents, reserve studies, assessment structures, and loan vocabulary they need to make informed decisions. We cover the specific documents to request from the outgoing board, the questions to ask the property manager, and the reading order that turns a volunteer into a competent fiduciary before the first loan discussion arrives.

    Larry Kirschner ·

  • Board operations

    A Board's Year-End HOA Finance Checklist

    A tactical HOA year-end finance checklist for boards closing the books on 2026 and preparing for 2027. Covers reserve fund reconciliation, delinquency aging review, insurance renewal timing, the next-year budget vote, and preparation for Q1 loan applications. Includes specific dates, dollar thresholds, and a three-question FAQ. Written for board treasurers and community managers with two to three weeks left in the calendar year.

    Larry Kirschner ·

  • Board operations

    The October Question Every Board Treasurer Should Answer

    HOA treasurer capital planning has one October question worth asking out loud: if we started the loan process today, could we close by our fiscal year end? Most boards learn the answer is no, and by then it is too late. Larry Kirschner on the ninety-day reality and what a treasurer should do this month.

    Ben Kirschner ·

  • Board operations

    What 2027 Holds for HOA Boards: An Honest Take

    Larry Kirschner's honest take on what 2027 holds for HOA boards. Covers the practical realities of new board terms starting in January, capital project sequencing for spring, the refresh cycle for reserve studies commissioned from 2022 to early 2024, and AI search visibility becoming a board-level topic for the first time. Direct, specific predictions from 30+ years in commercial banking and 20+ years serving on HOA boards, written for boards planning their year.

    Larry Kirschner ·

  • Board operations

    Year-End Audit: How HOA Boards Should Present Loan Status

    Board treasurers present loan status to owners every spring, and many struggle to make it clear. This guide covers the required disclosures, the reconciliation between reserve fund balances and loan proceeds, the sample slides that work, and the questions owners commonly ask. Written for the March through May annual meeting season, when boards have the year-end financials in hand and need to translate them into a conversation owners will actually understand.

    Ben Kirschner ·

  • Board operations

    Recognizing Dysfunction in Your HOA: A Short Story

    Know when to speak up. Is one loud voice derailing your HOA meetings? We've seen it before and it can be frustrating. Contact HOA Loan Services for help.

    Ben Kirschner ·

Free guide

A Board Member’s Guide to HOA Loans

A walkthrough of qualifying, approvals, and structuring a loan: everything a board needs before the first lender conversation.

Download the guide