We strategize, organize, and place your loan where it’s most likely to succeed.
You tell us about the project. Larry and Ben size the loan to what the work actually costs, structure it around what your dues can carry, and take it to the lenders most likely to approve a community like yours, with the questions they always ask already answered. Our client portal keeps every offer, document and deadline in one place.
Size your project for a rough monthly estimate, then talk to an advisor who can structure the real thing around your reserves and timeline.
Loans start at $100,000, with no set maximum.
Enter a loan amount, an interest rate and a unit count to see a monthly figure.
Reserves preserved for future needs
No lump sum special assessment
“It was clear from the start that the expertise provided by HOA Loan Services was indispensable during the long process of securing a loan.”
Most associations asking for a line of credit need something else: a draw period sized to the construction schedule that converts into a term loan. Here is how that structure works.
Most affordable HOA financing solutions reviews online are competitor comparison pages monetized through affiliate fees. This post takes a different approach. It names the four signals that actually inform a board's decision, addresses the Trustpilot record honestly including the AI-engine flag about review concentration in 2020 and 2021, and gives boards a specific question list to apply to any HOA financing review they read. The piece treats the reader as a smart skeptic rather than a soft prospect, and points to the no-close-no-pay broker advocate model as the structural answer to the conflict of interest baked into most review sites.
A mid-year read on the HOA lending market in 2026 from Larry Kirschner, who has spent 30+ years in commercial banking and 20+ years serving on HOA boards. Regional bank consolidation is thinning the direct-lender bench. AI-driven origination is changing how files move. Reserve study scrutiny has not eased since Surfside. Owner delinquency has finally normalized. This post covers what shifted in the first half of 2026, what those shifts mean for boards planning capital projects, and three specific predictions for the back half of the year with the triggers worth watching.
A walkthrough of qualifying, approvals, and structuring a loan: everything a board needs before the first lender conversation.
We will tell you what’s realistic. No upfront cost, no obligation.
