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A Board Member’s Guide to HOA Loans
A walkthrough of how association loans work; what lenders look for, how approvals happen, and how to present the numbers to your owners. Written for volunteers, not finance professionals.
- In loans closed
- $350M+
- Years in banking
- 30+
- States served
- 50
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What’s inside
How association loans work
Who borrows, what secures the loan, and why no owner is personally liable.
What lenders look for
Reserve studies, delinquency rates, and the documents to have ready before you apply.
Loan vs. lump sum special assessment
A side-by-side comparison you can bring straight to a board meeting.
Talking to your owners
How to frame the cost per unit so the vote goes smoothly.