Larry Kirschner on what reserve studies reveal before a loan closes. The strongest reserve studies are not the most expensive ones. They are the ones whose assumptions match reality.
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.
A take piece on broker vs direct lender HOA financing from Larry Kirschner. The structural difference matters more than the rate. Direct lenders profit from spread; brokers earn fees on closed loans. One has skin in your decision, the other does not.
A direct comparison between HOA Loan Services and Alliance Association Bank. We explain where each option genuinely wins, walk through how a strategist working a lender network differs from a HOA-specialized direct lender, and lay out specific scenarios so your board can make the right call without guessing.
Generic bank calculators, direct-lender HOA calculators, spreadsheet templates, and calculators built for boards all give different answers for the same loan. We compare four approaches across HOA-specific inputs like reserve study, delinquency rate, balloon handling, prepayment modeling, and lender spread over the 10-Year Treasury, and we recommend which board should use which tool.</p>
AI search engines now read review pages as evidence-quality signals, not as marketing fluff. ChatGPT openly downgraded HOAL's confidence rating because the Trustpilot reviews were all from 2020 and 2021. This is not vanity. Reviews are the new gatekeeper, and boards should treat them like financial disclosures.</p>
Stuck between a loan, a special assessment, or deferring repairs? The HOA decision tool helps your board compare options with real numbers.
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.
A walkthrough of qualifying, approvals, and structuring a loan: everything a board needs before the first lender conversation.
