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Specialized Lending Solutions

Known nationally, Endeavor Financing Solutions specializes in obtaining financing for condominium associations, homeowners association, and other residential community organizations. Our experience in banking gives us insight into the application, underwriting and approval process utilized by Lenders. Our experience in the legal field enables us to overcome obstacles and find solutions to possible lending problems.
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Your Partner

Our team of knowledgeable professionals have 30 years of experience, both as bankers and accountants in the community association and CIRA lending market. Let our team of financial experts provide you with the customized funding experience that your community needs.

Analyzing your Community Financial Needs

Endeavor Financing offers a broad variety of financial products that will be suitable for your community’s capital requirements. Deferred maintenance, emergency repairs, and capital improvements are issues facing nearly every residential common interest realty association (CIRA). Our products will ensure your community is fitted with a pertinent funding solution.
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Partnering With You to Preserve Your Community’s Peace of Mind

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Discuss the Capital Needs of Your Community

A member of our team will meet with the you and the board to determine what finance product preferences are needed and the term of loans available.

Community Specific Charting and Preparation

Discuss and analyze funding prospects based on the community’s budget, membership support, and governing documentation for the community.

Letter of Funding Interest

Term sheet (Letter of Funding Interest) which will include rate, terms, and requirements from the Lender will be presented to you and the board for discussion.
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Service & Strategy

Consultative and Deliberate approach to Community Capital Funding

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Unraveling the integrate details

Governing Docs, membership, delinquencies, debt service, and repayment details are all specific details of loan requirements. Endeavor’s team is experienced in the commercial banking industry as well as in the banking legal field which enables us to dig deeper into the loan conditions and the structural needs of the loan.

Loan Engagement and Nexus

Our Team will be the chain of communication between the Financial Institution, the Board of Directors, and the Management Company during the data collection, underwriting process, and the closing process of the loan.

Successful Loan Closing

Endeavor Financing Solutions will guide the trilogy of the Financial Institution, Board of Directors, and the Management Company to ensure all loan closing requirements are met and that an on-time loan funding schedule is achieved. This trilogy will streamline the loan closing process.
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HOA and Condo Association Financing You Can Count On

At Endeavor Financing Solutions, we provide reliable and customized HOA loan and condo association loan services designed to meet the unique needs of community associations. With decades of experience in banking, law, and community lending, our team brings a consultative and deliberate approach to every engagement. If you’re looking for expert HOA financing tailored to your community’s capital needs, you’ve come to the right place.

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Specialized Lending Solutions for Residential Communities

Whether you're part of a homeowners association (HOA), a condo board, or a common interest realty association (CIRA), finding the right funding for your projects can be complex. That's why Endeavor Financing Solutions specializes exclusively in HOA loans, condo association loans, and similar financing services nationwide. We understand that deferred maintenance, aging infrastructure, and large-scale improvements require immediate and dependable funding.

Our team has 30 years of experience in HOA lending—both as bankers and legal professionals—giving us unique insight into the challenges community associations face when navigating the HOA loan requirements imposed by lenders. We are here to help you untangle the red tape and secure funding that meets your goals.

Why Choose Endeavor?

Nationwide Reach : We provide HOA loan services across the United States.

Legal and Banking Expertise : Our team is well-versed in both lender underwriting and legal documentation for community loans.

Custom Solutions : Every association has different needs. We analyze your community’s financials to tailor a solution specific to your goals.

Transparent Process : From underwriting to closing, we guide you through the steps and help interpret loan documents and requirements.

Analyzing Your Community’s Financial Needs

Every community is different, and so are its financial needs. Whether you're addressing roof replacements, pool resurfacing, roadway repairs, or new construction, our approach is built on a deep understanding of what HOA financing really requires.

We offer a range of lending products, including:

  • Short- and long-term fixed-rate HOA loans
  • Revolving credit lines
  • Construction loans
  • Emergency funding options
  • Bridge financing for insurance or special assessments

Our team evaluates your community’s budget, capital reserve funding, and homeowner support to ensure a sound financial strategy is in place before you take on any debt obligation.

Discussing the Capital Needs of Your Community

We believe in collaborative planning. Our advisors will meet with you and your Board of Directors to walk through your current needs and future goals. Whether it’s a planned capital improvement or an unexpected emergency, we’ll help you determine the best approach and loan type.

Once we understand your situation, we assist in:

  • Preparing financial documents
  • Reviewing reserve studies
  • Evaluating repayment capabilities
  • Recommending loan structures with favorable HOA loan rates

We also take care to review your governing documents to make sure your association is compliant with borrowing provisions.

Community-Specific Loan Structuring

Unlike generic commercial or residential loans, HOA lending comes with its own set of challenges. We work with the board to present community-specific charts that map out financial obligations and timelines. We'll help prepare everything from membership vote documentation to the loan application package.

If your governing documents require a homeowner vote to approve a loan, we’ll assist in preparing communication materials and educating members on the loan structure and repayment plan.

Letter of Funding Interest

After we've matched you with a potential lender, we'll present a detailed Letter of Funding Interest or Term Sheet. This document outlines the proposed HOA loan rates, terms, fees, prepayment options, and other lender-specific requirements.

Our professionals will walk through the letter with you, answering questions and ensuring you have full clarity before moving forward.

Seamless Loan Closing

At Endeavor, we coordinate between the Board of Directors, the lender, and legal counsel to ensure a smooth closing. Our understanding of both lender procedures and legal documentation is a major asset during this phase.

Unlike many firms, we don’t just connect you with a lender and disappear. We stay engaged until the funds are disbursed and all post-closing tasks are complete.

Why HOA and Condo Association Loans Are Unique

Most homeowners association loans and condo association loans are underwritten through a lender’s commercial division, not through a traditional residential lending channel. While the residents are the end beneficiaries, the borrower is the association, which means different standards for documentation, collateral, and risk assessment apply.

CIRA lending requires an in-depth understanding of both community management and finance. This is not something every lender—or borrower—is prepared to handle. That’s why our team’s dual expertise in banking and law is so critical. We help you bridge the gap and ensure that nothing falls through the cracks.

Meet Amy: A Proven Leader in HOA Financing

In just the past five years, our senior financing consultant Amy has helped secure tens of millions of dollars in HOA loans and condo association loans for clients across the country. Amy’s results-driven approach is backed by extensive experience in the CIRA space, giving communities peace of mind and confidence in the funding process.

Amy understands that HOA loan requirements vary not just from lender to lender but from state to state. Her ability to work across jurisdictions and manage complex capital stacks makes her an invaluable resource to the clients we serve.

A Better Financial Future for Your Community

We believe in helping communities thrive—not just survive. Whether you're rebuilding after a disaster, improving curb appeal, or finally tackling that long-overdue infrastructure upgrade, we’ll help you secure the right HOA financing to move forward.

Services We Offer:

  • HOA Capital Improvement Loans
  • Condo Association Loan Structuring
  • Loan Pre-Qualification Support
  • Loan Voting and Membership Assistance
  • Legal Document Review and Compliance
  • HOA Loan Closing Coordination

At Endeavor Financing Solutions, we're committed to helping your community succeed—with expert guidance, customized lending plans, and the professionalism you deserve. From analyzing your financial needs to closing the loan, we’re your partner in every step of the journey. Let us help secure your community’s future today.