Welcome to HOALoans.com. We believe that reserve shortfalls shouldn’t stall critical repairs or compromise the safety and beauty of your community.
HOALoans.com connects your community to complete
funding solutions so boards and owners see exactly how projects move forward.
Discover how smart HOA loans allow you to fund critical building repairs without draining your reserve funds or placing an unexpected financial burden on unit owners.
Everything you need to know about HOA financing.
A specialized financing solution designed for HOAs, condo associations, and co-op boards. These loans fund large capital projects like roof replacements, concrete restoration, and plumbing upgrades without requiring immediate special assessments from homeowners. Association loans provide communities with the financial flexibility to tackle essential improvements while maintaining affordability for residents through manageable payment plans.
Association loans require no personal guarantees from board members, offer flexible reserve requirements, extended repayment terms up to 20–25 years, and predictable monthly payments. Underwriting focuses on the association’s financial health, not individual credit scores, making approval more accessible.
We finance different types of projects such as: Roofing & Waterproofing, Structural Repairs, Plumbing Systems, Elevators & Mechanics, Marine Structures, and Hurricane Protection.
Once you submit your application and required documents, our team reviews both your financials and project details. You’ll receive an approval decision within 2–8 weeks. The more complete your documentation, the faster we can move. Once approved and the loan closes, your project can begin right away.
