Free FHA & VA condo lookup

Is this condo FHA or VA approved?Free condo approval lookup for Santa Clarita, the San Fernando Valley, Los Angeles, Ventura and Orange County.

Ask in plain EnglishIs Cabot Bay at Bridgeport FHA approved?VA approved condos in Canyon Country Expired FHA condos in Newhall

Approved condoCabot Bay At Bridgeport24008 Bridgeport Ln, Valencia

FHA approved to 04/25/2027VA accepted

See it on the map →

Condo loans at a glance

FHA: 3.5% downNeeds HUD project approval or a single-unit approval. Approvals last three years.
VA: 0% downNeeds VA project acceptance. VA approvals never expire.
Conventional: No public listFannie Mae and Freddie Mac review the HOA on most sales since August 3, 2026.
January 4, 2027: 15% reservesThe new Fannie Mae and Freddie Mac reserve minimum, up from 10%.

Condo lookup

FHA & VA approved condo map

Ask the way you’d text an agent: a building name, a street, a ZIP, or a question like “Which Valencia condos take VA?”

Area

Santa Clarita Valley28 FHA-approved · 163 VA-accepted

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ApprovedExpired / pendingNot approved

Source: HUD FHA condo list and VA condo report, updated November 12, 2026. Confirm status with your lender.

60-second check

Will the building pass a lender’s review?

Answer what you know. Every question maps to a Fannie Mae, Freddie Mac, FHA or VA rule.

1 of 13 · The buyer

How will the buyer use the unit?

Alonso Real Estate Group · Condo financing check

Building report

Financeability snapshot

An estimate from your answers, not a lender decision.

Loan programs

FHA vs VA vs conventional condo rules

FHA

HUD condo approval

3.5%down

On HUD’s approved list (renewed every three years) or a single-unit approval
At least 50% of units owner-occupied
No owner above 10% of units, delinquencies at or under 15%, 10% of the budget to reserves

Check the FHA list →

VA

VA condo approval

0%down

Project accepted by the VA
Approvals never expire
A lender can request approval for a new project in four to eight weeks

Check the VA list →

Conventional

Fannie Mae · Freddie Mac

3–20%down

No public list: Full Review of the HOA on most sales (10 or fewer units can be waived)
No owner above 20% of units, delinquencies at or under 15%, commercial space at or under 35%
Reserves 10% of the budget today, 15% from January 4, 2027

Run the 60-second check →

Fails all three? Portfolio lenders still finance non-warrantable condos, usually with 10–25% down. Ask who’s lending →

What changed for condo loans in 2026

Jul 1, 2026$50k deductible capPer-unit master-policy deductibles above $50,000 fail Fannie Mae.
Aug 3, 2026Full Review for most condosFannie Mae’s Limited Review and Freddie Mac’s Streamlined Review retired.
Aug 3, 2026Investor cap droppedThe 50% investor-concentration limit no longer applies to established projects.
Jan 4, 2027Reserves rise to 15%Full Review projects need 15% of the budget going to reserves, up from 10%.

Red flags

9 things that make a condo non-warrantable

Tap one for why lenders care, the fix, and who still lends.

Investor concentration

One owner holds over 20% of units (10% for FHA).

Why lenders careLenders worry that one owner defaulting on dues, or turning the project into rentals, sinks the HOA.The fixOwnership changes slowly, but a developer selling off a remaining block often clears this within a year.Who still lendsPortfolio lenders; conventional once the ratio clears.

HOA litigation

The HOA is in a construction-defect, structural or safety lawsuit.

Why lenders careA judgment can mean a special assessment on every unit, or an unsafe building.The fixSettle it, or document that insurance covers the claim and no safety issue exists.Who still lendsPortfolio lenders with legal review; agency loans after resolution.

Delinquent HOA dues

Over 15% of units are 60+ days behind on dues.

Why lenders careIt signals a cash-flow problem that lands on the remaining owners.The fixCollections and payment plans. This is one of the fastest flags to cure.Who still lendsConventional and FHA return as soon as the report drops under 15%.

Thin reserves

Under 10% of the budget to reserves (15% from Jan 4, 2027).

Why lenders careRoofs, plumbing and paving get paid for by special assessments instead.The fixRaise contributions, or commission a reserve study that supports the number.Who still lendsLenders accept a current reserve study; FHA holds the 10% line.

Too much commercial space

Retail or office space is over 35% of the project.

Why lenders careCommercial vacancies and mixed-use costs can sink an HOA budget.The fixRarely changes. FHA allows up to 49% with an exception request.Who still lendsPortfolio and commercial lenders.

Hotel-style rentals (condotel)

Front desk, rental pool or nightly stays.

Why lenders careIt’s a hotel with a condo map, and agency loans exclude it.The fixOnly by changing how the project operates.Who still lendsSpecialty condotel lenders, usually 25–30% down.

HOA insurance gaps

Master policy under replacement cost or deductibles over $50,000.

Why lenders careAfter the premium spikes of recent years, insurance became one of the most common reasons condo loans get declined.The fixBoards can re-bid coverage; many gaps are fixed in a single renewal.Who still lendsAgency loans return once the certificate meets requirements.

Critical repairs

Unsafe conditions or deferred structural work.

Why lenders careSince the 2021 Surfside collapse, these projects are ineligible until the work is done.The fixComplete the repairs and document them. Special assessments that pay for the work are allowed.Who still lendsNothing conventional until the repairs are closed out.

Incomplete project

Still under construction or still developer-controlled.

Why lenders careLenders need to know the project will exist as sold.The fixTime, or the developer meeting presale and completion milestones.Who still lendsDeveloper-arranged lenders; conventional once the project is complete and sold.

FAQ

Condo loan questions, answered

Buying a condo

How do I check if a condo is FHA approved?

Search the building name, HOA name, street address or ZIP code in the FHA and VA condo lookup above. Each result shows whether HUD lists the project as Approved, Expired, Rejected or Withdrawn, and the date an approval runs through. Your lender confirms the status in HUD’s system before closing. If the project isn’t approved, ask the lender about an FHA single-unit approval.

Which condos in Santa Clarita are FHA approved?

As of November 12, 2026, 28 condo projects in the Santa Clarita Valley hold a current FHA approval (by city: Valencia 14, Santa Clarita 10, Canyon Country 3, Newhall 1). They include Andorra At Creekside Valenca, Arroyo West, Cabot Bay At Bridgeport, Calla And Rowan At Valencia, Cassia And Jasmine, Cornerstone At Copper Hill, Cypress Point, Iris At Valencia and others. The full list, with each approval’s expiration date, is in the Santa Clarita Valley directory below.

Are there VA-approved condos in Valencia, Saugus and Canyon Country?

Yes. As of November 12, 2026, 163 condo and townhome projects in the Santa Clarita Valley are accepted by the VA (by city: Santa Clarita 65, Valencia 49, Canyon Country 21, Newhall 14, Castaic 9, Stevenson Ranch 5). VA approvals don’t expire, so an eligible veteran can buy in an accepted project with no down payment.

Which Orange County condos are FHA and VA approved?

As of November 12, 2026, 374 condo projects in Orange County hold a current FHA approval and 997 are accepted by the VA. The most FHA-approved projects are in Irvine (62), Anaheim (35), Huntington Beach (26), Aliso Viejo (24), Lake Forest (20). Pick Orange County in the Area menu, or ask something like “Which Irvine condos take VA?”, to see every one on the map with its status.

Can I get an FHA loan on a condo that isn’t FHA approved?

Often, yes, through an FHA single-unit approval (sometimes called a spot approval). The buyer has to live in the unit, the project must be complete and at least 50% owner-occupied, and FHA-insured loans generally can’t exceed 10% of the units. The lender orders the review and the HOA answers its questionnaire.

Can I use a VA loan on a condo that isn’t on the VA list?

Yes, if your lender submits the HOA documents to the VA for project approval. Plan on four to eight weeks and build that into the purchase contract. Once the VA accepts a project, the approval doesn’t expire.

What does non-warrantable condo mean?

A warrantable condo meets Fannie Mae and Freddie Mac project standards, so the lender can sell the loan to them. A non-warrantable condo fails at least one standard: one owner holding more than 20% of the units, more than 15% of owners 60+ days late on dues, too little going to reserves, more than 35% commercial space, structural litigation, critical repairs, hotel-style rentals or insurance gaps. The unit can be perfect and the building still fails.

Can you finance a non-warrantable condo?

Usually, yes. Portfolio lenders (banks and credit unions that keep the loan instead of selling it) finance non-warrantable condos, typically with 10–25% down and a somewhat higher rate. Some flags, such as delinquencies, reserves and insurance, can also be fixed by the HOA within a quarter or two.

Are townhomes in Santa Clarita treated as condos for a mortgage?

Many are. A lot of attached townhome communities in Valencia, Saugus, Newhall and Canyon Country are legally condominiums: you own the unit’s airspace and share the land, so the same FHA, VA and Fannie Mae project rules apply. Homes in a planned unit development (PUD), where you own the lot, don’t need condo project approval. The title report and CC&Rs say which one you’re buying.

What is a condotel, and can I get a mortgage on one?

A condotel is a condo project run like a hotel: a front desk, a rental pool, daily housekeeping or nightly stays. Fannie Mae, Freddie Mac, FHA and VA all exclude condotels. Specialty lenders finance them, usually with 25–30% down.

Condo rules in 2026

What changed for condo loans in 2026?

Four things. For loan applications dated on or after August 3, 2026, Fannie Mae retired its Limited Review and Freddie Mac its Streamlined Review, so most condo loans now get a Full Review of the HOA. Projects with 10 or fewer units can have the review waived. The 50% investor-concentration cap was retired for established projects. Since July 1, 2026, Fannie Mae caps per-unit deductibles on the master policy at $50,000. And for applications dated on or after January 4, 2027, the reserve minimum rises from 10% to 15% of the HOA budget.

How much does an HOA need in reserves for a condo loan?

Today, at least 10% of the annual budget should go to reserves for Fannie Mae, Freddie Mac and FHA, unless a current reserve study supports a different number. For Fannie Mae and Freddie Mac loan applications dated on or after January 4, 2027, the minimum for Full Review projects becomes 15%. Buildings sitting between 10% and 15% should raise contributions or get a reserve study before then.

What insurance does a condo HOA need for a buyer to get a mortgage?

A master property policy covering 100% of the replacement cost of the buildings and common areas, plus liability and fidelity (crime) coverage. Roofs must be insured, though no longer necessarily at replacement cost. For applications on or after July 1, 2026, Fannie Mae caps per-unit deductibles at $50,000, and the buyer’s own HO-6 policy has to cover that deductible.

Does HOA litigation stop a condo loan?

It depends on the case. Routine collections, small claims and minor disputes can be documented with a letter from the HOA’s attorney. Litigation over construction defects, structural problems or safety makes the project ineligible for conventional, FHA and VA loans until it’s resolved, or until the lender can document that insurance covers the claim and no safety issue exists.

Selling or listing a condo

What should a listing agent gather before listing a condo?

The HOA questionnaire (management companies usually charge for it), the current budget and reserve study, the master insurance certificate, the last year of board minutes, and the status of any litigation or special assessment. With those five items we can tell you which loan programs will work, and price the listing for the buyers who can actually close.

What is an HOA questionnaire?

A standard form, often Fannie Mae Form 1076 or the lender’s own version, that the HOA or management company fills out about owner occupancy, delinquent dues, litigation, insurance, commercial space and reserves. Lenders order one on nearly every condo loan. Ordering it before you list saves a week in escrow.

How does an HOA get FHA approval?

The HOA, usually through its management company or a lender, submits the project to HUD with the CC&Rs, bylaws, budget, reserve information, insurance certificates, and owner-occupancy and delinquency figures. Some lenders can approve projects themselves under HUD’s DELRAP authority; others send the file to HUD for review (HRAP). An approval lasts three years and then has to be recertified.

How long does FHA condo approval last?

Three years. When it lapses, HUD’s list shows the project as Expired and the HOA has to recertify. Many approvals lapse simply because nobody filed the renewal, so an expired building can often be back on the list within a few weeks.

About this lookup

Where does the FHA and VA condo information come from?

FHA status comes from HUD’s FHA Condominium list and VA status from the VA Loan Guaranty condo report, both public federal sources. We refresh them on a regular schedule; the last update was November 12, 2026. Map pins come from each project’s street address. Projects listed without a street address are placed at their ZIP code, and the building card says so.

Is this a loan approval?

No. The lookup shows each project’s status on the federal lists, and the 60-second check scores a building against published Fannie Mae, Freddie Mac, FHA and VA standards so you know what to expect. The lender’s review of the actual HOA documents is the decision.

How much does the condo review cost?

Nothing. Alonso Real Estate Group is a real estate brokerage, not a lender. We read the HOA documents with you, tell you which loan programs fit, and connect you with lenders who close on that kind of building.

Asking about a specific building?Call (661) 964-4424 or send it to us.

By city

Approved condos by city

Pick a city to see every complex with a current FHA approval or VA acceptance, as of November 12, 2026.

FHA-approvedVA-accepted

Condo loans at a glance

FHA & VA approved condo map

Will the building pass a lender’s review?

How will the buyer use the unit?

Building report

Financeability snapshot

FHA vs VA vs conventional condo rules

What changed for condo loans in 2026

9 things that make a condo non-warrantable

Investor concentration

HOA litigation

Delinquent HOA dues

Thin reserves

Too much commercial space

Hotel-style rentals (condotel)

HOA insurance gaps

Critical repairs

Incomplete project

Condo loan questions, answered

Buying a condo

Condo rules in 2026

Selling or listing a condo

About this lookup

Approved condos by city

FHA and VA approved condos in Santa Clarita

FHA and VA approved condos in Valencia

FHA and VA approved condos in Canyon Country

FHA and VA approved condos in Newhall

FHA and VA approved condos in Castaic

FHA and VA approved condos in Stevenson Ranch

FHA and VA approved condos in Sylmar

FHA and VA approved condos in Burbank

FHA and VA approved condos in North Hollywood

FHA and VA approved condos in Northridge

FHA and VA approved condos in Sherman Oaks

FHA and VA approved condos in North Hills

FHA and VA approved condos in Glendale

FHA and VA approved condos in Canoga Park

FHA and VA approved condos in Tarzana

FHA and VA approved condos in Van Nuys

FHA and VA approved condos in Reseda

FHA and VA approved condos in Woodland Hills

FHA and VA approved condos in Chatsworth

FHA and VA approved condos in Valley Village

FHA and VA approved condos in Panorama City

FHA and VA approved condos in Winnetka

FHA and VA approved condos in Studio City

FHA and VA approved condos in Granada Hills

FHA and VA approved condos in Encino

FHA and VA approved condos in Porter Ranch

FHA and VA approved condos in West Hills

FHA and VA approved condos in Mission Hills

FHA and VA approved condos in Oxnard

FHA and VA approved condos in Simi Valley

FHA and VA approved condos in Camarillo

FHA and VA approved condos in Ventura

FHA and VA approved condos in Thousand Oaks

FHA and VA approved condos in Port Hueneme

FHA and VA approved condos in Westlake Village

FHA and VA approved condos in Moorpark

FHA and VA approved condos in Newbury Park

FHA and VA approved condos in Agoura Hills

FHA and VA approved condos in Los Angeles

FHA and VA approved condos in Long Beach

FHA and VA approved condos in Redondo Beach

FHA and VA approved condos in Torrance

FHA and VA approved condos in San Pedro

FHA and VA approved condos in Pasadena

FHA and VA approved condos in Gardena

FHA and VA approved condos in Whittier

FHA and VA approved condos in West Hollywood

FHA and VA approved condos in Inglewood

FHA and VA approved condos in Culver City

FHA and VA approved condos in Santa Monica

FHA and VA approved condos in Irvine

FHA and VA approved condos in Anaheim

FHA and VA approved condos in Huntington Beach

FHA and VA approved condos in Aliso Viejo

FHA and VA approved condos in Santa Ana

FHA and VA approved condos in Lake Forest