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Virginia mortgage tools

FHA Approved Condo Lookup for Virginia

FHA only finances condos that HUD has approved. Look up the building on HUD's official list, then see what your result means.

Step 1: Search HUD's list

  1. Open HUD's condo search. It is the official record, updated by HUD.
  2. Choose Virginia in the State box, then add the county or city, or the condo name.
  3. Set Status to Approved to see current buildings, or All to also see expired ones.
  4. Open the record and note the status and expiration date.
Open HUD's FHA condo search

The HUD search does not look up street addresses. Search by name, city, county or ZIP, and fewer filters give a longer list.

Step 2: What did you find?

Status shown for your building
Look it up first

What it means

    Have Duane check my building

    General guidance. HUD's record and your lender's review decide eligibility. Not a loan approval.

    How to read a HUD record

    These fields tell you most of what you need.

    • Status. Approved, Expired, Rejected or Withdrawn. Only Approved buildings are ready for an FHA loan.
    • Expiration date. FHA approvals do not last forever. A building that expires before your closing may need recertification.
    • Approval method. HRAP means HUD reviewed the project. DELRAP means a lender with delegated authority reviewed it.
    • Condo ID. HUD's number for the project. Your loan officer uses it to confirm the record.
    • What FHA looks for. Generally, a majority of owner-occupants, healthy reserves and dues, adequate insurance, limits on commercial space and investor concentration, and no condo-hotel use.

    FHA condo FAQ

    My building is not on the list. Is that the end?

    No. FHA's Single-Unit Approval may allow a loan in some buildings that are not on the list, when the building meets FHA's requirements. The HOA can also apply for approval, and conventional or VA financing may be options.

    How long does an approval last?

    Approvals expire after a set period, and HUD shows the date on each record. Ask the HOA whether renewal is in progress for buildings close to their date.

    Do I have to live in the condo?

    Yes. FHA loans are for primary residences, so the unit must be your main home.

    What if the building is approved but I still get declined?

    Building approval is only one part. You still have to qualify on credit, income, savings and the appraisal.

    What about VA and conventional loans?

    They have their own condo rules. Use the VA condo report or ask Duane to check conventional eligibility for your building.

    Duane Buziak, NMLS #1110647. Licensed in VA, TN and GA. Brokered through Coast2Coast Mortgage, NMLS #376205. This page is general information and links to HUD's public records. It is not a project approval, loan offer or commitment. Program rules change. Equal Housing Opportunity.