Affordable Financing for HOA Communities

Empowering HOAs, Co-Ops, and Condominium Associations

Do You Need Funding?

HOAs that manage their reserves, cash flows, and routine maintenance enjoy increased property values

Construction Loan

Capital Improvements or Special Assessments

Operating Loan

Fill in unexpected short term expenses or cash flow shortages

Line of Credit

Flexible capital access for emergencies or  funding gaps

Our Working Process

We have been in your shoes and have helped thousands of homeowners navigate creative ways to keep their HOA communities safe, healthy, beautiful, and valuable

Apply or reach out with questions

Fill in the form on our website with some basic details, and we will contact you shortly

Strategy meeting post application

1 on 1 meeting to review what financing options are best for your community

Loan coordination with partners

Find lending partner and communicate between lenders, CAMs, HOAs, and homeowners

Loan closing review and funding

Final reviews to confirm the financing opportunity matches finances and project timeline

Ongoing reporting support

Financial reporting, amortization, and refinancing support post loan

%

HOAs Are Underfunded

%

HOAs Are 30+ Years Old

Founded Out of Our Passion to Change the Industry

With over 40 years of experience in managing communities, we’ve seen firsthand the challenges HOAs and condominium associations face in securing the right financial solutions.

As operators, we felt this gap in the market, where our communities and others often struggled to find the right lending options to meet their unique needs. That’s why we stepped in, committed to filling that void with the care and expertise only decades of experience can provide.

Our mission is simple: to empower communities by providing competitive rates, flexible terms, and efficient timelines that ensure financial stability and growth. We believe that every HOA and condominium association deserves access to the resources they need to thrive, and we’re dedicated to being the trusted partner that helps make that happen.

With us, you’re not just getting a loan—you’re gaining a partner who’s invested in your community’s success.

Tech Company Built

Communities Managed

Loans Funded

Yrs. Managing Communities

What Communities Say About Us

{

“When my HOA didn’t finance the special assessment, HOA Loan.com stepped in. Their tailored loan option relieved my financial burden. I’m so thankful for their help!”

Sacramento, CA
{

“HOA Loan.com made our capital improvement project possible. Their support helped us enhance our neighborhood, and we truly appreciate their assistance.”

Charlotte, NC
{

“After a hurricane, HOA Loan.com’s line of credit was a lifeline. We quickly got the funds needed for repairs. We couldn’t have recovered so fast without them.”

Corpus Christi, TX
{

“Securing a loan for our special assessment was seamless, thanks to HOA Loan.com. It took the financial strain off our community, and we’re incredibly grateful!”

Miramar Beach, FL