Florida Lookup Tools
VA-Approved Florida Condo Search
Buying a Florida condo with a VA loan? The building has to be accepted by the VA. Here's exactly how to search the VA's condo report, what the results mean, and what to do if the building isn't listed.
The building is reviewed too
Only units in VA-accepted condominium projects can be financed with a VA-guaranteed loan.
Separate from FHA
VA keeps its own list. An FHA-approved building isn't automatically VA-accepted — or the reverse.
Not listed? Ask early
A lender can request a VA review, but it takes time. Check before you write the offer.
Official source
Check the official lookup — step by step
The VA publishes a public, searchable condo report. It's the source of truth for a project's VA status.
- 1
Open the VA condo report and choose State: Florida.
- 2
Narrow by county or city, or type part of the condominium's name. Use the legal association name from the listing or HOA documents — not a marketing name.
- 3
Click the project to see its status and details. Look for an accepted status.
- 4
If you see more than one similar name, match the street address and city.
- 5
Screenshot the result and send it to Tanesha before you write the offer.
Opens the official government website in a new tab.
How VA condo review works
For a VA loan on a condominium, the VA reviews the project's legal documents — the declaration, bylaws, and related papers — to confirm they meet VA requirements and don't restrict the veteran's ownership rights in ways VA won't accept.
Once a project is accepted, it appears on the VA condo report and any eligible veteran can use a VA loan there, subject to their own qualifying and the appraisal.
If a project hasn't been reviewed, a lender can submit it. The association has to provide the documents, so the timeline depends on how responsive the board or management company is.
Reading your search result
| What you see | What it means for you |
|---|---|
| Accepted | The VA has accepted the project's documents. A VA loan can move forward on the unit, subject to your qualifying and the appraisal. |
| Pending / in review | A review is underway. Plan for extra time in your contract. |
| Not accepted / withdrawn | A VA loan can't be used until the issue is resolved and the project is accepted. |
| Not listed | The project hasn't been reviewed. Your lender may be able to request a review. |
Status labels on the VA report may be worded slightly differently. When in doubt, send Tanesha the screenshot.
VA vs. FHA vs. conventional condo rules
| VA | FHA | Conventional | |
|---|---|---|---|
| Who keeps the list | Department of Veterans Affairs | HUD | Lender review under Fannie Mae / Freddie Mac rules |
| What's reviewed | Mainly the project's legal documents | Documents, finances, insurance, occupancy, delinquencies | Project review by the lender (full or streamlined, depending on the deal) |
| Approval term | Ongoing unless status changes | 3 years, then recertify | Reviewed per transaction |
| Down payment | $0 possible with full entitlement | 3.5% minimum | As little as 3%–5% for eligible buyers |
| Monthly mortgage insurance | None (one-time funding fee unless exempt) | Yes | Yes under 20% down; can be removed later |
Florida condo checklist for veteran buyers
- Confirm VA eligibility and entitlement with your Certificate of Eligibility (COE) — Tanesha can pull it for you.
- Check the building on the VA condo report before you sign a contract.
- Ask for the association's budget, reserves, and any current or planned special assessments.
- Ask about the milestone structural inspection and Structural Integrity Reserve Study (SIRS) required for many Florida buildings.
- Ask about the master insurance policy and deductibles — Florida insurance costs drive many dues increases.
- Review rental restrictions, pet rules, and pending litigation.
- Remember: condo dues count in your debt-to-income ratio on a VA loan.
If the building isn't VA-accepted
Request a VA review
Your lender submits the project. It works best when the association is cooperative and you have time built into your contract.
Check FHA or conventional
The building may already be FHA-approved or warrantable for conventional financing. Compare costs before deciding.
Look at a different building
If timing is tight, choosing a VA-accepted project can keep your $0-down VA benefit on the table.
Ask before you offer
Send Tanesha the address. She'll check the VA report, FHA list, and conventional options together.
Florida VA Condo FAQ
Want Tanesha to check your building or address?
Send the details before you write an offer — it can save weeks.
About the Author
Tanesha Tomlinson
Florida Mortgage Loan Advisor, Hometown Financial Group, LLC DBA Modus Mortgage
NMLS #1540854 · Company NMLS #1028232
Tanesha Tomlinson is a 24-year Florida mortgage industry expert who has originated over $100,000,000 in mortgages. She works with homebuyers, homeowners, and Realtor partners across South Florida, Broward County, Central Florida, and the Orlando area. Her focus is qualification, income calculation, loan programs, down payment assistance, and cash to close — explained plainly, with the numbers in front of you. As a licensed Florida Realtor® with United Realty Group, she also understands the property and contract side of the same purchase.
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Hometown Financial Group, LLC DBA Modus Mortgage · Company NMLS #1028232 · Tanesha Tomlinson NMLS #1540854 · Florida Real Estate License #SL3524613 (United Realty Group) · Equal Housing Lender. Licenses can be verified on NMLS Consumer Access and the Florida DBPR license portal. Content is educational only and is not a commitment to lend.
Last updated October 14, 2026
Information and tools on this website are educational only and should not be considered individualized financial, legal, or tax advice. Estimates are not a pre-approval, loan approval, or commitment to lend. Mortgage approval, rates, APRs, payments, taxes, insurance, closing costs, and loan terms are subject to borrower qualifications, property information, applicable loan-program requirements, and underwriting. This website disclaimer does not replace Modus Mortgage's official disclosures.
