Tailored Loan Solutions For Your HOA

We make it easy for homeowners associations to secure the funds they need—quickly, clearly, and confidently.
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About Us

Finding The Right Loan Can Be Daunting

Managing major repairs or community upgrades shouldn’t be a financial burden. We help your board secure competitive loan options, streamline the paperwork, and close with clarity—so you can focus on improving your neighborhood.

Loans Funded

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Lenders In
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Upfront Costs
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Bringing Success To Your Community

Straightforward Financing Options

Our process is built for clarity—offering fast, tailored funding solutions to support your HOA's unique needs.

Advocating for Your Bottom Line

We work directly with lenders to negotiate terms and rates that align with your goals, saving your association time and money.

Loan Guidance You Can Count On

From day one to final signature, our team offers transparent support—making sure your board understands every step before moving forward.

How It Works

1

Start the Conversation

Fill out our form to share your HOA’s project details and funding needs.
2

We Handle the Heavy Lifting

From gathering documentation to negotiating loan terms, we take care of the logistics.
3

Your Community Thrives

Once funding is secured, your community can move ahead with confidence.
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Calculate the Cost

Get An Estimate For Your Loan

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Loan Amount

Length

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Secure Funding For Your HOA

Get in touch and inquire about taking out an HOA loan through our loan services.

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Minimum number of units must be 20 or greater.
Please enter a number greater than or equal to 250000.
Minimum desired loan amount must be $250,000 or greater.
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Only Pay When You Get Funded

No hidden fees. No upfront charges. Just expert support from start to finish.
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Experts in HOA Financing

Backed by Decades of Experience

For over 30 years, we’ve helped associations navigate the loan process with confidence—connecting them to a network of trusted lenders and offering tailored solutions every step of the way.
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Why Trust Us For Your HOA Funding?

No Upfront Costs

We only get paid when your loan is approved and funded—no risk, no surprise fees.

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Nationwide Lender Access

With an expansive lender network, we offer a variety of options to meet your community’s financial goals.

Experienced Support Team

Our advisors bring decades of financial expertise and a deep understanding of HOA needs.

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Example Loans

Here are just a few of the many loans we have acquired for the owners of Homeowners Associations just like yours.

476

Units

  • Palm Springs, California

Condominium Association

$2,100,000

  • Long-term
  • Fixed Rate Loan
  • Siding Replacement Project
  • The undersigned arranged the financing on behalf of the association.
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117

Units

  • Los Angeles, California

Condominium Association

$5,000,000

  • Long-term
  • Fixed Rate Loan
  • Roof and Plumbing Repairs
  • The undersigned arranged the financing on behalf of the association.
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340

Units

  • Wichita, Kansas

Condominium Association

$300,000

  • Medium-term
  • Fixed Rate Loan
  • Pool and Tennis Court Repairs
  • The undersigned arranged the financing on behalf of the association.
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24

Units

  • Eastern Washington State

Homeowners Association

$425,000

  • Line of Credit / Long-term
  • Fixed Rate Loan
  • Common Area Repairs
  • The undersigned arranged the financing on behalf of the association.
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1155

Units

  • Central Florida

Homeowners Association

$6,400,000

  • Line of Credit / Long-term
  • Fixed Rate Loan
  • Lawsuit-related Financing
  • The undersigned arranged the financing on behalf of the association.
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25

Units

  • Chicago, Illinois

Homeowners Association

$250,000

  • Medium-term
  • Fixed Rate Loan
  • Re-financing of Existing Loan
  • The undersigned arranged the financing on behalf of the association.
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We have secured $350+mil in funding for 50 states

Our HOA needed a loan to finance repairs, and Ben hooked us up with exactly the loan we needed and got us a great rate. He was super responsive, patient, and answered all of our questions and concerns. I have background in finance and have dealt with multiple real estate loans in the past, none have been this easy and fast.
Jessica S.
Jessica S.
Ben helped our HOA obtain a loan that helped us avoid a special assessment. The process was quick and easy, and we will be returning to Ben the next time we have an emergency project that needs funding.
Anthony K.
Anthony K.
We wanted to express our deepest gratitude for the invaluable assistance in securing a loan for the much-needed repairs to our community. Without their unwavering support and expertise, we would not have been able to achieve this milestone. HOA Loan Services partnership and commitment helped us overcome many obstacles, enabling us to move forward and take the necessary steps to revitalize our community.
Gulf Meadows Townhome Association
Gulf Meadows Townhome Association
I'm a first-time homeowner and a first-time HOA board member at a 28-unit complex in Los Angeles. After being put through the ringer by various other lenders trying get financing to replace our badly damaged roofs, I was so glad we found HOA Loan Services. They were professional and responsive to all our questions and concerns. With their guidance, the process was very straightforward and surprisingly low stress. The loan he was able to get for us was much better than we expected.
Minh T.
Minh T.
Our HOA recently was in need of a large loan. We contacted HOA Loan Services and they made the entire process so easy. They were very patient, taking time to answer the many questions we had. They explained the different options available and we quickly realized that the payment options offered made it very affordable to our 208 unit owners. Highly recommend!
Linda A.
Linda A.

FAQs

Don’t see your question? Feel free to reach out!

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HOA loans are typically used for maintenance, repairs, or improvements within the community, such as landscaping upgrades, building repairs, road maintenance, and amenities improvements. It’s important to review the loan terms to ensure your intended project aligns with the lender’s guidelines.

The timeline for securing an HOA loan can vary based on factors like project complexity and lender requirements. The process may take from a few weeks to several months, depending on how quickly your HOA can provide necessary documentation and how responsive the lender is.

Collateral requirements can differ by lender and loan terms. Some lenders may require collateral, such as property or assets owned by the HOA, while others offer unsecured loans that do not require collateral. The loan options will be assessed based on your HOA’s financial situation.

Interest rates for HOA loans are affected by several key factors. These include the current market rates, how creditworthy the HOA is, the length of the loan term, and the specific type of loan product selected. Generally, shorter-term loans that present lower credit risks tend to come with lower interest rates.

If your HOA is having trouble repaying a loan, it’s important to reach out to the lender as soon as possible to discuss possible solutions. You might consider options like restructuring or refinancing the loan. Getting ongoing support from financial experts can also be very helpful in managing these challenges and keeping the lines of communication open with the lender.

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