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.  

We're experts in HOA financing

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
  • Insurance Premium Financing available
  • We lend in Florida, New York, New Jersey, and Alabama

Valley's Association Financing

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

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?
Can I talk to an expert?
Do you offer loans nationwide?
What can I get a loan for?
Do you offer rate bundling?
What do I need to get a loan for my HOA?
How do I get in touch?

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


Need more advice?

HOA FinanceFinancing 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.