Florida's 40-year and 50-year structural recertification mandates are creating urgent funding needs across Miami-Dade and Broward. Luxe Lending Group specializes in fast-close association loans so your building gets compliant — without burdening residents.
In the wake of Surfside and Florida's new structural safety laws, thousands of condo associations are facing mandatory inspections, costly repairs — and no budget to cover them.
Florida SB-4D requires all condo buildings 3 stories or taller to complete milestone inspections at 30 years (or now for buildings already past that age) and every 10 years after. Non-compliance means building closure orders.
Structural, electrical, and life-safety repairs required to pass recertification routinely run $500K to $5M+. Most associations don't have reserves to cover it — and special assessments create community conflict.
Deadlines are not extensions — they're enforcement dates. Buildings found non-compliant face fines, evacuation orders, and potential litigation against board members personally. The clock is ticking.
Instead of burdening your unit owners with a crushing special assessment upfront, a Luxe Lending Group HOA loan lets your association borrow the full repair amount and repay it over time — spreading the cost equitably across all owners, without disrupting the community.
We've spent years building relationships with lenders who understand HOA and condo association balance sheets — not just individual borrower profiles. We speak your language and move fast.
We exclusively focus on community association financing — not mortgages, not car loans. This expertise means faster approvals and better terms for your board.
Our streamlined intake process and lender relationships mean we can often get you to closing in 30 days or less — critical when your recertification deadline looms.
Association loans are underwritten against the association itself — not individual owners. No need to get 200 residents to apply for financing.
Choose from line-of-credit facilities (3–24 months) for phased repairs or term loans (3–15 years) for full project financing. We tailor the structure to your budget.
We've designed our intake process specifically for board members and property managers who are busy running their communities.
A 20-minute call with Barbara to review your recertification scope, timeline, and loan eligibility. No cost, no obligation.
Complete our Condo & HOA Loan Data Sheet. Our team helps you gather the required documents — we make it simple.
Within days, you'll have a customized loan proposal with rates, terms, and repayment options to present to your board.
Once your board approves, we move to closing. Funds are released so repairs can begin — and your building gets compliant.
Whether you need a short-term line to get repairs underway or a long-term note to spread costs over years, we have a solution.
Ideal for associations that expect to fund repayment through a special assessment or budget increase over 1–2 years.
Spread the cost of major recertification repairs over 3 to 15 years — keeping monthly assessments manageable for owners.
Use a line of credit to start construction immediately, then convert to a term loan once the full scope is known.
"Where Excellence, Transparency, and Community Stewardship Come First."
Fill out the form below and Barbara will reach out within one business day to discuss your association's recertification funding needs.