HOA Loan Services

08/04/2026

Closed: $47.7 million term loan for a 415-unit condominium association in New Jersey.

Financing at this scale is difficult in the community association space — many lenders shy away from large projects. We arranged and placed the full amount on behalf of the association, giving the board the capital it needed while softening the blow of a special assessment for owners.

If your association is facing a major capital project, we should talk.

05/18/2026

“Hey everyone, navigating the new Fannie Mae guidelines has been a headache for a lot of boards. We built this free tool to help give communities a baseline before they shell out for a full study. Hope it helps!”

https://www.hoacapital.com/reserve-study/start

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.