Can I Use a VA Loan to Buy a Condo in Phoenix?

Published on October 13, 2025

With the vibrant and growing condo market in Phoenix, many veterans ask: can I use my VA loan benefit to buy one? The answer is a resounding yes, but with one important condition: the condominium building itself must be approved by the Department of Veterans Affairs.

Why Does the Condo Building Need VA Approval?

The VA guarantees a portion of the loan, and to protect that guarantee, they ensure the condo development is financially stable and well-managed. They look at factors like the percentage of owner-occupied units, the homeowners' association (HOA) budget, and whether there are any pending lawsuits.

How to Find VA-Approved Condos in Phoenix

The VA maintains a database of approved condominium projects. As part of our service, we can help you and your real estate agent search this database to verify if a building you're interested in is already approved. If it's not, there is a process to request approval, and we can guide you on the necessary steps.

The Bottom Line

Using a VA loan for a condo in Phoenix is a fantastic way to enter the housing market with no down payment and no PMI. The key is working with a lender who understands the approval process. Contact us today to get started on your pre-approval and begin your condo search with confidence.