The project approval matters
VA's lender guidance requires condominium approval. The lender must verify the applicable project status and satisfy any approval conditions before the loan can receive a VA guaranty. A buyer's Certificate of Eligibility or mortgage preapproval does not establish that the condominium project qualifies.
If the project is not approved
Ask the lender about submitting a project approval package and the documentation needed from the association. Plan for that review in the contract timeline. Do not assume FHA's Single-Unit Approval process applies to VA financing.
Verify the right community
Use the legal project name, location, and applicable phase when checking status. A familiar marketing name or an approved neighboring project can lead to the wrong conclusion. Ask the lender to confirm both the project and the specific unit before treating VA financing as a settled option.
Go to the official sources
These resources explain the program requirements. Lender restrictions and transaction details can also affect the outcome.
VA: Lender's Handbook, Chapter 16 VA: Public condominium report