VA Condo Loan & Condo Approval

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Borrowers can use their VA home loan benefits to purchase a condominium. But there are additional restrictions in this type of purchase than from purchasing a single-family residence. The VA has to approve condominium complexes in order for veterans to use a VA Loan to purchase a home in that complex. The complex must go through a VA approval process, this includes reviewing the complex’s organizational documents and bylaws, homeowner’s association policies, parking availability, and finances. The VA has a list of approved condo complexes. This can come in handy when you are considering buying a condo. You can work with Security America Mortgage, Inc to get your condo complex approved if you do not find the condo complex on the VA list.

VA Condo Approval Process

What happens if the condo isn’t in a VA-approved development complex? Fist, one must check if the complex already has approval from the U.S. Department of Housing and Urban Development (HUD) or the U.S. Department of Agriculture (USDA). These are the agencies that deal with FHA and USDA loans, the VA will accept a complex that is already approved by one of these government agencies if it happened before December 7, 2009. Check if your condo is va approved here Check if your condo is approved by HUD here If the complex is not approved, Security America Mortgage, Inc will make the requests needed for approval and put together the required documents. These documents are:  

  • Homeowner association bylaws and budget.
  • Current financial and litigation statements.
  • Declaration of covenants, conditions and restrictions.
  • Special assessments and litigation statement.
  • Plat, map or air lot survey.
  • Minutes of the last two homeowner association meetings.


The VA officials will review the request and either approve or deny the condo complex or alert Security America Mortgage, Inc regarding missing documents or other issues that can be addressed and resubmitted. It’s important to know going in that this process can take months. We won’t be able to order an appraisal on the property until approval is given. Don’t expect to rush through the condo approval process if you’re in a hurry. If you are interested in learning more or starting the va loan process, contact us by filling out the form or calling us today!  

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