Continuing Education Series Webinar
Anatomy of An HOA Loan
Anatomy of An HOA Loan
In Partnership with SmartStreet, a practical overview of how association loans work and when they make sense. Covers common use cases (capital projects, reserve gaps), loan types, and key terms like interest, amortization, and collateral. Focuses on board decision-making—how to evaluate options, understand owner impact, and align borrowing with long-term financial planning and governing requirements.
SmartStreet is a specialized community association banking platform, powered by Banc of California, designed to simplify financial operations for HOAs and management companies. It provides integrated solutions for payment processing, banking, and financial oversight—helping boards improve transparency, streamline collections, and maintain stronger financial control.
Florida Board Member Continuing Education Credit Available
This one-hour on-demand webinar is part of a Florida Department of Business and Professional Regulation (DBPR)–approved Continuing Education (CE) series designed specifically for HOA board members and directors. These courses meet the requirements of Chapter 720, Florida Statutes and are eligible for CE credit upon successful completion. Upon completion, you will be emailed a certificate of completion for your records.
About the Speaker:
Kara Cermak CMCA®, AMS®, PCAM® is Senior Vice President at RealManage, bringing more than 25 years of community association management experience and deep industry expertise. She is a nationally recognized educator and industry leader, holding multiple professional designations and having served on the CAI National Board of Trustees and faculty.
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The RealManage Advantage
RealManage provides you with professionally trained management and operational excellence driven by our end-to-end software platform
Operational Excellence
Leverage industry best practices for association management from our experience with diverse communities.
End-to-End Software Platform
Our comprehensive platform satisfies all functional areas of community management with real-time visibility.
Our Value Principles
Transparency
Access to needed information that is right and right-at-your-fingertips
Financial Health
Reliable financial reporting, accurate and timely billing/ invoicing, collections and payment
Communications
Easy, two-way communications with homeowners and boards
Community Needs
Responsive action supporting the needs and wants of the community
Peace of Mind
Confidence that the work of community management is done correctly
An Unbeatable Combination: Local Insights Backed by Powerful National Resources
At some companies, community management is simply a job.
Not at RealManage.
We consider it our mission – and privilege – to enhance the lifestyle and value of every resident and community we serve. Furthermore, we take that commitment seriously.
In fact, we’re acclaimed for our highly trained management teams, advanced technology, responsive customer service, and local expertise, all supported by the strength and resources of a national leader.
As such, as your management partner, we’ll expertly handle your operational burden and exceed your expectations. Ultimately, this will give you peace of mind that your community’s value, culture, and living experience are in the best possible hands.
