VA Condo Approval
Helping Veterans, Active Duty Military & HOAs navigate VA certification quickly and successfully. Learn costs, timelines, requirements, and how to avoid common pitfalls.
15–30 Days
The process of getting VA Condo Approval generally takes 30 days or less. Applications go first to a Regional Office Staff Appraiser, then to VA’s in-house legal team.
$895
Flat fee for VA Condo Approval. Includes full review of governing documents and application preparation. Rejections are rare.
Lifetime Approval
VA approval does not expire. As long as documents remain compliant, the condo stays approved forever.
Rejection Waivers
If rejected due to leasing restrictions or right of first refusal, Veterans may apply for a special waiver to proceed with financing.
How VA Condo Approval Works
Application Review
VA Regional Office Staff Appraiser reviews the application for content.
Legal Review
VA’s in-house legal team reviews documents for compliance.
Approval
If compliant, approval is granted—usually within 30 days.
Waivers
If rejected, Veterans may apply for a waiver. We can help facilitate this process.
Documents Needed for VA Condo Approval
- Declaration of Covenants, Conditions & Restrictions (CC&Rs) / Master Deed
- Signed HOA Bylaws
- Articles of Incorporation
- HOA Budget
- Current Financial Statements
- Minutes of Last 2 HOA Meetings
- Recorded Amendments for Annexation
- Plat Map or Air Lot Survey
- Condominium Plans
Residents are legally entitled to these documents from their HOA or Management Company. Fees may apply.
Common Reasons for VA Condo Rejection
About 10% of condos fail due to unacceptable leasing rules — especially in Florida with strict rental restrictions.
VA Rental Requirements
- HOA must allow leasing
- No “seasoning clauses” requiring occupancy before leasing
- Board cannot approve/deny leases
- Board cannot impose tenant background or credit checks
Update 2022: Waivers may be available for certain restrictions.
Why Does the VA Care About HOA Leasing Rules?
- Active duty members must be able to rent their unit quickly if deployed or relocated.
- If the bank forecloses, the VA wants rental income to protect its investment.
The VA allows HOAs to include exemptions for VA loans in their governing documents. Ask us how to add this.
Learn More
Eligibility Requirements
See what your community must meet to qualify for FHA condo approval.
Required Documents
Find out which documents your HOA or manager needs to provide.
Pros, Cons & Misconceptions
Get the facts: benefits, challenges, and common myths explained.
FAQ Library
Answers to the most frequent FHA condo approval questions.
Frequently Asked Questions About VA Condo Approval
Most VA condo approvals are completed within 15–30 days. The Regional VA Office first reviews the submission, then it’s sent to the VA legal team for final sign-off.
No — once approved, a VA-approved condo remains on the list indefinitely as long as governing documents stay compliant and the HOA does not make disqualifying amendments.
Yes. Condos may be denied if their leasing or ownership rules restrict veterans’ rights to occupy or rent. FHA Review helps resolve these issues and can request VA waivers where allowed.
The VA requires a full HOA document package — including the CC&Rs, Bylaws, Articles of Incorporation, Budget, and Meeting Minutes. FHA Review compiles and submits these on behalf of the association.
FHA approvals expire every three years, while VA approvals are lifetime. The VA focuses more on leasing and ownership restrictions, while FHA evaluates overall financial health and insurance coverage.
Yes. FHA Review is a nationwide submission service specializing in both FHA and VA condo approvals. We prepare, review, and submit all required documentation for fast results.