HOA Loans

Loans for Homeowner Associations


Loan Application Loan Charts Related Sites Contact Us

Borrowing money for needed repairs or improvements to the common areas of a Southern California homeowner association can be a difficult and complex process. Pacific HOA Fund is committed to helping your association through the borrowing process from start to finish. We will meet and work with your board of directors and managing agent to structure an affordable loan program that meets your needs and budget.

Pacific HOA Fund is a loan correspondent for numerous pension funds and private investors. Our firm specializes in arranging loans to homeowner associations from $30,000 to $250,000 for periods up to five years. Loan proceeds can be used for any association purpose.

The most common reasons for borrowing include:

Upgrading or modernizing the property in order to increase the value and marketability of the homes;
Replacing major components such as roofs and pipes;
Correcting construction (builder) defects;
Paying the cost of litigation;
Addressing health and/or safety concerns such as uneven sidewalks, hazardous parking lots and the need for improved lighting and security features; and
Setting aside funds (reserves) for possible emergencies.


Borrowing funds permits a board of directors to make substantial improvements to association property while eliminating (or reducing) the impact of legally required real estate disclosures. All of this can be accomplished without significant financial impact. Please refer to our HOA Loan Charts for examples.


Pacific HOA Fund-Loan Information

Amounts: $30,000 to $250,000
Terms: Up to 5 years. Interest only and fully amortized loans available
Rate: Fixed rate at ten percent (10%)
Application Fee: $1,000 (Will be applied to cost of opinion letter) (Refundable if loan is declined)
Loan Fee: None required.
Legal Review & Opinion Letter: $1,000
Collateral: Assignment of assessments and bank funds. No real estate collateral is required.
Guarantors: None
HOA Application Package:
  • Application
  • 2 years tax returns
  • 2 fiscal year-end financial statements
  • Current balance sheet and profit and loss statement
  • Delinquency report
  • Articles of Incorporation
  • Bylaws
  • CC&Rs
  • Minutes appointing officers
  • Copy of 6 most recent board meeting minutes
  • Proof of insurance
  • Current year budget
  • Most recent reserve study
  • Project cost breakdown, if applicable
  • Copy of association’s current collection policy
Areas Served: Southern California

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