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The Home of HOA Banking
The Home of HOA Banking

HOA Loans

Customized financing solutions designed specifically for your association

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From financing repairs, improvements, or refinancing existing debt, Valley makes HOA lending simple. Our flexible financing solutions are customized to address your most critical needs on your terms.  

Each homeowners association is unique and deserves a financing program designed to meet those unique needs. From financing repairs and improvements to refinancing existing debt, Valley makes HOA lending simple. Take advantage of flexible financing solutions with competitive interest rates that are customized to address your most critical needs on your terms. And we lend against receivables, not assets, making it easier than ever for you to get the funding you need.

  • We offer Non Revolving and Term Loans
  • Fixed and floating rates available
  • No individual personal guarantee is required
  • No liens are placed on owner units
  • You work with lenders who are experts in HOAs

Valley's Association Financing

We provide financing for:            We help with:
Condominiums                                      Repairs
Homeowners Associations  
Improvements
Cooperative Associations
Refinancing existing debt

What other associations are saying:

 "Even though your due diligence was more comprehensive, Valley still responded on a time-frame that met our needs. The result was a project $523,000 under budget completed 30 days early." - HOA in Naples, FL

Frequently asked questions about HOA financing

How quickly can I get a loan?

Our typical turnaround for loans is about two weeks, but we've also financed loans in as little as 2 days. We work with your schedule to make sure you get your loan when you need it.

Can I talk to an expert? 

You’ll work directly with one of our HOA Lending Specialists who will provide a solution customized to you. They have deep expertise in working with HOAs - you can trust you'll be in good hands.

Do you offer loans nationwide? 

At this time, we are only able to offer association loans within our footprint states of New Jersey, New York, Florida and Alabama. 

What can I get a loan for?

We've financed over 500 loans, each unique to their association. Projects we’ve funded include road work, landscaping upgrades, concrete restoration, new guardhouses, and a lot more. Get in touch with us to see how we can work with you.

Do you offer rate bundling?

If you decide to take advantage of one of our deposit products, you can then also take advantage of our rate bundling offer – for more competitive interest rates.

What do I need to get a loan for my HOA?

Your HOA Lending Specialist will walk you through the whole process, but if you'd like to prepare, here are some of the items and information you’ll need:

  1. Two years financial statements (balance sheet & income statement) – past 2 fiscal years
  2. Current year financial statement.
  3. Current year operating budget.
  4. Accounts Receivable or Delinquency Report.
  5. Declaration of Condominium Document.
  6. Articles of Incorporation for the Association.
  7. Minutes from the board meeting where the loan request was discussed and approved by the board, when available.
  8. Certificate of Insurance.

Not sure you have everything on the list? Don't worry, simply get in touch with us and we can help you find what you need.

How do I get in touch?

Fill out the form below and one of our HOA Lending Specialists will reach out to discuss how we can meet your needs.


Interested? Contact us to get more information and see how we can help.

Need more advice?

HOA Finance

Financing HOA Projects: When to Borrow & When to Impose a Special Assessment

Even with strong funding, HOAs can face unplanned emergency expenses, not fully covered by insurance. Sometimes HOA boards are faced with tough financial decisions to borrow, special assess the members – or both. We cover key considerations for approaching finance options for your HOA.