Resource Hub

How Florida condo associations can fund SIRS reserves in 2026

If your board is researching SIRS funding Florida requirements, the practical question is usually straightforward: the Structural Integrity Reserve Study identifies what the condominium association...

Bank declined HOA loan? What Florida boards can do

A bank declined HOA loan request can put a Florida association in a difficult position, especially when the money is needed for structural repairs, roofing,...

HOA loan requirements: What Florida associations need to apply

HOA loan requirements usually cover three areas: the association’s authority to borrow, its ability to repay the debt and the condition and cost of the...

How community associations finance a roof replacement

HOA roof replacement financing gives a community association a way to complete major roofing work when available reserves won’t cover the full project cost. Instead...

Does an HOA loan put a lien on my unit? What owners should know

When a condominium or homeowners association announces plans to borrow money, owners often ask the same question: Does an HOA loan put a lien on...

Turning a special assessment into manageable monthly payments

A large special assessment can create an immediate problem for condominium and homeowners association boards. The repair may be urgent, but many owners may not...

How do HOA loans work? A guide for Florida boards

An HOA loan allows a community association to borrow money for repairs, replacements or capital improvements and repay the debt over time. The association is...

Financing repairs after a Florida milestone inspection

A Florida milestone inspection can turn a building safety review into an immediate funding challenge. If an engineer or architect identifies substantial structural deterioration, the...

Condo Association Loans: A Complete Guide for Florida Boards

A condo association loan can help a Florida condominium association pay for major repairs, required reserve funding or building improvements without collecting the entire cost...