HOA Loan Services

11/03/2025

CALIFORNIA HOAS: THE SB 326 DEADLINE HAS PASSED. ARE YOU COMPLIANT?

Mandatory structural inspections for your balconies, decks, and walkways (EEEs) are required NOW. Inspections alone can cost $5K–$25K, and non-compliance risks massive fines, property liens, and legal liability for board members.

Don't gamble with building safety or your community's finances. Get the full breakdown on the law, the required inspection cycles, and the smart way to finance your repairs without hitting homeowners with a sudden special assessment.

READ THE FULL GUIDE:

Get your HOA loan questions answered! What is an HOA loan? What are the current HOA loan rates? What HOA loan requirements do I need to know about? How do I avoid special assessments?

05/21/2025

Did you know your HOA fees might be tax-deductible? If you rent out your home or use part of it for business, you could claim a portion of those fees—check with your tax pro before leaving money on the table.

If you’re a homeowner paying monthly dues to a homeowners association (HOA), you might be wondering: Are HOA fees tax deductible? Read on for the answers:

05/21/2025

America’s credit downgrade could mean higher borrowing costs across the board, including loans for homeowner associations. If your HOA is planning a major project, now’s the time to secure financing before rates climb further

The downgrade of the U.S. sovereign credit rating Friday will likely mean higher borrowing costs on mortgages.

05/06/2025

Good Debt? Yes, It’s a Thing

Honestly, before we ran the numbers, I would’ve argued hard against this concept. Borrowing at 7% while earning just 5% on investments? No way that adds up.

But I was wrong.

When we looked closer, the strategy actually made sense—for cash flow, for preserving reserves, and for keeping an HOA financially healthy.

Get your HOA loan questions answered! What is an HOA loan? What are the current HOA loan rates? What HOA loan requirements do I need to know about? How do I avoid special assessments?

09/06/2024

We just posted a free Board Guide to Homeowner Association Loans. Feel free to download it.

Lots of good info for HOA Boards facing funding challenges for upcoming Capital Projects.

http://www.hoaloanservices.com/landing-pages/download-a-free-hoa-board-guide-2

07/12/2023

Unwelcome news for .

providers face rising concerns over aging infrastructure and risks.

Critical for and associations: tackle capital improvements and deferred maintenance now to get in ahead of insurance increases.

The insurer won’t pick up the slack left by competitors in the state.

07/11/2023

🌺 Fun fact: "Hoa" in Vietnamese translates to "flower." It's meaning also encompasses beauty, kindness, & affection.

🏡 Angry with an HOA board or neighbor? Remember to seek out the inherent beauty in the place you call home!

07/03/2023

A friendly reminder that tomorrow is a holiday.

We at HOA Loan Services wish everyone a Happy 4th of July! Enjoy some downtime with friends and family.

06/29/2023

*Recommended Reading: "The Stress Test" by Tim Geithner

The Federal Reserve has just released the results of the annual bank stress test.

This comprehensive evaluation assesses the resilience and stability of financial institutions in various economic scenarios. It's a crucial step towards ensuring a robust banking system that can weather unexpected challenges.

The stress test evaluates banks' ability to withstand severe economic downturns, including hypothetical scenarios involving recession, market turbulence, and other adverse conditions. These tests provide valuable insights into the banks' capital adequacy, risk management practices, and overall financial health.

The released results are not only an important regulatory measure but also a way to instill confidence in the banking sector. They highlight the strength and stability of our financial institutions, reassuring customers and investors alike.

As we navigate the dynamic landscape of the financial industry, it's crucial to stay informed about such assessments and understand their implications. Whether you're a or on an or just a member of the , take a moment to explore the details and key takeaways from the released stress test results.

The Federal Reserve Board on Wednesday released the results of its annual bank stress test, which demonstrates that large banks are well positioned to weather

06/29/2023

https://www.hoaloanservices.com/post/demystifying-hoa-loan-interest-rates-insight-for-association-boards-and-community-managers

Curious about how banks set rates for LOANS. Let us explain.....

06/22/2023

We often talk about the duties and responsibilities that property managers and HOA boards have to their communities, but there are many other factors that contribute to a homeowners association's success or failure.

I came across this article in the Pasadena Star News the other day that I thought did a great job of highlighting four basic priorities of an HOA and how the balance of these priorities is paramount to success and harmony within the community.

Let us know what you think, do you agree with this idea of yin and yang within the community?

Four key interests are the association’s corporate, real estate, financial and community priorities.

06/17/2023

https://www.hoaloanservices.com/post/the-ugly-truth-about-special-assessments-4-common-myths-debunked