Last updated: September 10, 2026
These terms govern your use of www.hoaloanservices.com, our client portal, and the content and tools we provide through them (together, the "Services"). The Services are operated by HOA Loan Services (Arch Capital Solutions, LLC, "we," "us," or "our"). By using the Services, you agree to these terms. If you do not agree, please do not use the Services.
1. What we do and what we are not
We are independent loan advisors for homeowner and condominium associations. We help boards prepare, structure, and place financing with lenders.
- We are not a lender. We do not make loans, approve loans, or set loan terms. Those decisions belong to the lender.
- We do not guarantee an outcome. Using the Services, submitting a form, or engaging us does not guarantee that your association will receive a loan or any particular rate or structure.
- We are not your attorney, accountant, or financial advisor. Content on the website is general information about association financing. It is not legal, tax, accounting, or investment advice for your specific situation. Consult the appropriate professional before your board acts.
Any advisory engagement is governed by a separate written agreement between us and your association. If these terms and that agreement conflict, the agreement controls.
2. Who may use the Services
The Services are intended for adults acting on behalf of community associations, management companies, and related professionals. You must be at least 18 to use them. If you use the Services on behalf of an association or company, you represent that you have the authority to do so.
3. The loan calculator and other tools
Calculators, estimates, and examples on the website are for illustration only. They use simplified assumptions and default values that may not match your situation. Actual loan amounts, rates, terms, payments, and structures are set by the lender and may differ substantially. Do not rely on a calculator result as an offer, a quote, or advice.
4. Information you provide
You agree that the information you submit through forms or upload to the client portal is accurate and complete to the best of your knowledge, and that you have the right to share it with us. You are responsible for keeping your portal login confidential and for activity under your account. Tell us right away if you believe your account has been accessed without authorization.
How we handle your information is described in our Privacy Policy.
5. Client portal
We provide the client portal to organize documents and communication during an engagement. We may update, suspend, or discontinue features of the portal at any time. We do not guarantee that the portal will be available without interruption or error. You are responsible for keeping your own copies of documents you upload.
6. Our content
The website, including its text, design, graphics, logos, the board member's guide, blog posts, and calculators, is owned by us or our licensors and protected by copyright and trademark law. You may view, download, and print content for your own or your association's internal, non-commercial use. You may not copy, republish, sell, or create derivative works from our content without our written permission. The HOA Loan Services name and logo may not be used without our consent.
7. Acceptable use
You agree not to:
- Use the Services for any unlawful purpose or in violation of these terms
- Submit false, misleading, or fraudulent information
- Attempt to gain unauthorized access to the Services, other accounts, or our systems
- Interfere with the operation or security of the Services, including by introducing malicious code or scraping content
- Use the Services to send unsolicited commercial messages
8. Third-party links and services
The website may link to lender websites, review platforms, and other third-party sites. We do not control those sites and are not responsible for their content or practices. A link does not mean we endorse the site.
9. Disclaimer of warranties
The Services are provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or secure, or that content is current or complete.
10. Limitation of liability
To the fullest extent permitted by law, we and our owners, employees, and agents will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any loss of profits, data, or business opportunity, arising out of or related to your use of the Services or reliance on their content, even if we have been advised of the possibility of such damages. Our total liability for any claim relating to the Services will not exceed one hundred dollars ($100). This section does not limit liability that cannot be limited under applicable law and does not apply to obligations under a separate written engagement agreement.
11. Indemnification
You agree to indemnify and hold us harmless from claims, losses, and expenses, including reasonable attorneys' fees, arising from your violation of these terms or your misuse of the Services.
12. Governing law and disputes
These terms are governed by the laws of the State of North Carolina, without regard to its conflict-of-law rules. Any dispute relating to these terms or the Services will be brought in the state or federal courts located in Buncombe County, North Carolina, and you consent to their jurisdiction.
13. Changes to these terms
We may update these terms from time to time. The date at the top shows when they were last revised. Continued use of the Services after a change means you accept the updated terms.
14. Contact
HOA Loan Services (Arch Capital Solutions, LLC) 8 Orly Ln Asheville, NC 28804 United States
ben@hoaloanservices.com