Strengthen your customer and member connections
Embed an HOA lending solution to your website
Why Partner With Us?
Expanded Product Portfolio
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New Market Segment: HOAs often require specialized financing that many financial institutions are not fully equipped to handle; embedding Common Area Credit’s solution lets you tap into a growing demand without building a program from scratch.
- Multi-Channel Growth: Adding HOA loan products can create a new revenue stream and attract local communities looking for a dedicated lender for capital improvements.
Streamlined Underwriting & Reduced Overhead
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Specialized Underwriting: Common Area Credit has established expertise in underwriting HOA loans, a niche that can be complex and riskier for banks to manage internally.
- Lower Operational Costs: By leveraging Common Area Credit’s system, banks and credit unions cut down on the in-house resources needed to process and administer HOA loans.
White-Label Integration & Brand Enhancement
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Custom-Branded Experience: You can embed Common Area Credit’s lending infrastructure into your own digital channels, maintaining consistent branding and user experience for your customers.
- Faster Go-to-Market: Implementation is quicker because the lending platform is already built and tested, allowing you to offer HOA financing without lengthy development cycles.
Stronger Community Relationships
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Localized Impact: Providing HOA loans positions you as a community-focused financial institution, enhancing your reputation and trust.
- Cross-Selling Opportunities: HOA board members and residents may become new banking customers, opening accounts, or exploring mortgage and personal loan products once they trust your institution.
Originate HOA Loans in 3 easy steps
1
Easy-to-start application
Direct your customers to apply through a personalized link or your dedicated partner page, or use our lead portal to start the process on their behalf. Our user-friendly platform ensures a smooth and seamless application experience.
2
Enjoy fast funding & simplified transactions
Once the application is approved, funds are delivered to borrowers quickly and efficiently.
3
Simplify your operations
We manage the takeout process, so the loan is off your books without any additional work on your end. Enjoy flexibility to focus on growing your business and maintaining customer loyalty.
We were already a fast HOA lender – now we’re even faster. Powered by our partnership with Finicity, a Mastercard company, this isn’t just an upgrade; it’s a game-changing evolution for the HOA industry.
Open banking eliminates the need for HOAs to manually gather and submit financial statements.
Real-time financial data allows lenders to offer more competitive rates and tailored loan structures..
Helps HOAs access capital they might otherwise be denied.
Knowledge Hub
To educate HOA boards, property managers, and financial advisors on financial management, lending, and regulatory compliance
