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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 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.
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>
An HOA loan is a commercial loan to a non-profit corporation, secured by assessment revenue rather than real property. This plain-English guide covers typical amounts from $250K to $50M, terms of 10 to 20 years, why banks underwrite HOAs differently than homeowners, and the common mistakes boards make before they reach the term sheet.</p>
A first-term treasurer can read this in five minutes and walk into the next meeting with the right vocabulary. HOAs absolutely can borrow, lenders underwrite the association's revenue not the building, and the single decision that matters most is whether you use a broker or call a bank directly.
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