Your HOA Loan Experts

We understand the challenges of securing loans for HOA projects.

At HOA Member Services, we partner with industry specialists in HOA lending, offering expert guidance throughout the homeowners association loan financing process. Trust our experts to lead you through the HOA loan process, ensuring you secure suitable financing that empowers the delinquent homeowners associations around you to fund your planned projects and complete your maintenance projects confidently.

How Do HOA Loan Brokers Help?

Secure Funding Faster

The lending landscape is complicated and time-consuming, often leaving you stuck and unsure of how to take out a loan. We leverage our partner's expertise and experience to match you with suitable HOA loans and expedite the closing process.

Get the Best Possible Deals

The goal is to get the funding business loans you need at the best terms and rates. We negotiate for loans on your behalf to get funds and help you secure loans with more favorable rates and repayment terms.

Experience Peace of Mind

How do you sift through loan options and rest assured in your choice? We offer unbiased advice and a clear understanding of the loan options available so you can select the best one and feel confident in your choice.

Ready To Get Started?

Looking to secure the necessary funding to make capital improvements to your community to maintain and improve your association or community’s quality of life? Get in touch and inquire about taking out an HOA loan through our loan services.

How It Works

Contact Us

Complete an inquiry form to help our team of experts understand your HOA’s financial and capital planning needs.

We Work Together

We’ll assess your needs and match you with the right lenders. We’ll explain the details of each HOA loan option so you can make the right choice.

Secure Funding

Once you’ve chosen a lender, we’ll take care of the paperwork, negotiate favorable terms, and handle all the details to close the loan.

Curious About The Cost?

Use our HOA Loan Calculator to eliminate uncertainties in your HOA loan payments. Input your details, and our calculator will offer you a comprehensive overview of monthly loan payments. We aim to prioritize financial clarity for your peace of mind.

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Total Interest

Total Payable

Why Work With Us?

Strong Industry Network

We’ve built a large network of reputable lenders across the US, giving you access to more loan options and fast-tracking the loan application and approval line of credit process.

Zero Upfront Payment

We don’t demand upfront fees or retainers to work with you. You only pay our fees after you get your loan. Our results speak for themselves.

Expert Guidance

We rely on our 30+ years of banking experience to help you navigate the credit and lending lines of credit and process smoothly. With those lines of credit and that level of guidance behind you, achieving your HOA goals is truly within your reach.

Trusted & Reliable

We work for you, not the bank. With zero competing interests, our sole focus is negotiating your loan’s best terms and rates.

Why Do Homeowners Associations Borrow?

Homeowners associations borrow money to bridge financial gaps and meet pressing community needs. Whether homeowners are facing unexpected expenses or aiming to fund essential projects, borrowing allows HOAs to maintain financial stability and address challenges effectively. Our trusted lenders understand the unique needs of HOAs, offering tailored lending solutions for timely financial support.

HOA Loan Consultants

We act as homeowners association advocates for those owners seeking HOA loans.

Experienced Bankers

Our team of professionals has more than 30 years of banking experience.

Unique Fee Structure

Our fees are collected only after loans close. Upfront fees or retainers are never required for loans.

HOA Loan Services - Our Chosen Support For Your
HOA Financing Needs

When community association or HOA boards face capital shortfalls, resorting to a lump sum special assessment to reserve funds for necessary repairs may not be ideal. HOA Loan Services is our reliable partner for homeowner association boards facing capital challenges. Together, we specialize in helping HOAs promptly raise money for essential capital, ensuring your association and community’s financial stability and addressing urgent maintenance needs in a timely manner, without the financial burden or delay.

Below are just a few of the many loans HOA Loan Services has acquired for the owners of Homeowners Associations just like yours.



Condominium Association


HOA Loan Services




Condominium Association


HOA Loan Services




Condominium Association


HOA Loan Services




Homeowners Association


HOA Loan Services




Homeowners Association


HOA Loan Services




Homeowners Association


HOA Loan Services


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“We Help Associations Find Customized Loans.”

Condominium and HOA Boards may encounter a situation where their income and reserves are insufficient and unable to meet their capital needs. Although a special assessment can be mandated, often this is not the ideal situation.

HOA Member Services has established an affiliation with Arch Capital Solutions, an industry leader who works directly with a network of lenders that specialize in homeowners’ association loans. If your association is interested in a loan, please fill out the loan inquiry form below to get started.


Frequently Asked Questions

Homeowners associations often face capital shortfalls when confronted with significant expenses such as major repairs, renovations, or infrastructure improvements. While special assessments can be a means to raise sufficient funds more quickly, they may not always be the most favorable option for homeowners. Special assessments typically require homeowners to pay a large lump sum upfront, which can create financial strain and dissatisfaction among residents. Borrowing, on the other hand, allows HOAs to spread the financial burden over time through manageable loan payments. By opting for a loan, your HOA can maintain financial stability while addressing pressing community needs without imposing sudden financial hardship on homeowners. Additionally, borrowing provides flexibility in budgeting and planning, enabling your HOA to undertake essential projects without delay or compromise.

The timeline for securing an HOA loan can vary depending on several factors. These include the complexity of the project, the lender’s specific requirements, the responsiveness of your HOA in providing necessary documentation, and any potential regulatory considerations. On average, the process may take anywhere from a few weeks to several months. Initial steps involve completing an inquiry form and providing relevant financial information to our team of experts. Once we understand your HOA’s needs and goals, we work diligently to match you with suitable lenders and guide you through the application process. We aim to expedite the closing process and secure funding as efficiently as possible, ensuring your HOA can move forward with its projects without unnecessary delays.

Collateral requirements for HOA loans can vary depending on the lender and the specific terms of the loan agreement. In some cases, lenders may require collateral, such as property or assets owned by the HOA, to secure the loan. However, there are also options for unsecured loans that do not require collateral. Our team of experts will assess your HOA’s financial situation and project needs to determine the most appropriate loan options available, taking into account factors such as collateral requirements and the overall financial health of your HOA.

While HOA loans are typically used for projects related to maintenance, repairs, or improvements within the community, the specific usage may vary depending on the lender and the loan agreement terms. Common projects financed through HOA loans include landscaping upgrades, building repairs, road maintenance, and amenities improvements. However, reviewing the loan terms carefully is essential to ensure that your intended project aligns with the lender’s guidelines. Our team will work closely with you to understand your project goals and ensure that the loan funds are utilized effectively and per the lender’s requirements. You can use these tools to promote the leading products and services on your website, which in turn adds credibility to your site. You’ll be awarded a commission when a user clicks through and makes a purchase.You can use these tools to promote the leading products and services on your website, which in turn adds credibility to your site. When a user clicks-through and makes a purchase, you’ll be awarded a commission.

Various factors, including current market rates, your HOA’s creditworthiness, the loan term, and the type of loan product selected, influence interest rates for HOA loans. Generally, loans with shorter terms and lower credit risks tend to have lower interest rates, while loans with longer terms or higher credit risks may have higher rates. Our experienced brokers leverage their industry knowledge and relationships with lenders to negotiate the most competitive rates for your HOA. By understanding your HOA’s financial profile and project needs, we can help secure favorable interest rates that align with your budget and long-term financial objectives. We do allow direct linking.

If your HOA experiences challenges in repaying the loan, it’s essential to communicate with the lender promptly to discuss potential solutions. Depending on the circumstances, options such as loan restructuring, refinancing, or negotiating new terms may be available. Our team of experts provides ongoing support to help your HOA navigate any financial hurdles and ensure successful loan repayment. By maintaining open communication with the lender and proactively addressing any issues that arise, your HOA can mitigate risks and safeguard its financial stability for the benefit of all homeowners.

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