How Do I Find Out If A Complex Is FHA Approved?

How Do I Find Out If A Complex Is FHA Approved?  This is a great question for someone starting a search for a condo to buy.  The answer to this question is important since it will likely play a key role in how you finance the condo.  Having an answer is important before you go look, fall in love with a unit and then find out it will be difficult to finance.  Know before you go look.



The best answer on how do I find out if a complex is FHA approved is to go right to FHA and check.  They have a simple to use web site where you can check.


My advice is to search the list by town and state or by zip code.  It is the easiest way to get a positive search result.  You will get a list of all of the complex’s that are and have been approved, make sure to check and make sure that there is enough time left on the approval to close on your transaction.  If the complex is not listed it is not approved.  Make sure you know the real legal name of the complex.  There can be more than 1 page of results, click on the square arrow below the displayed results to go to the next page.  


How Do I Find Out If A Complex Is FHA Approved


Oddly the FHA approved condo search page is not available 24 hours a day...  You may find in the evening or weekends that it is unavailable, which you will not know until you have attempted to search.


FHA financing is very popular with condo buyers which is why the question “how do I find out if a complex is FHA approved” is so important.  There are other mortgage options for condo buyers, but if a condo complex is not FHA approved it could indicate a problem with the association that could make getting financing in that complex hard or even impossible.  Since many condo buyers are budget conscious, the limited down payment requirement (as little as 3.5% to qualified buyers) is a key positive.


One of the commenters brought up an excellent point.  Check if the project is a condominium or PUD if you do not find the complex on the approved list.  PUD's can look like condo's but are legally different and FHA does not require approval of PUD's.  The best place to get an answer on of a complex is legally set up as a condo or PUD is to ask a lawyer or title agent.  Their title insurance company can tell them what the property is with an address.  Great idea Aaron, thank you for the suggestion!


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Comment balloon 63 commentsJon Sigler • July 24 2013 05:20AM


Excellent post. . I'm bookmarking this one for future use. . thank you!

Posted by Fernando Herboso - Broker for Maxus Realty Group, 301-246-0001 Serving Maryland, DC and Northern VA (Maxus Realty Group - Broker 301-246-0001) about 7 years ago

I've used this site lots of times to determine the status of a condo complex. It's a great resource.

Posted by Nina Hollander, Your Charlotte/Ballantyne/Waxhaw/Fort Mill Realtor (Coldwell Banker Realty) about 7 years ago

Thanks for posting this, Jon.  With the absence of spot loan approvals, this search engine is very important for FHA condo seekers.

Posted by ReadySetLoan Condo Approval Team, The FHA/VA Condo Project Approval Specialists (ReadySetLoan Condo Team LLC) about 7 years ago

Thanks for sharing.  Something I've needed.

Posted by Marsha Cash (RE/MAX Advantage) about 7 years ago

Jon:  Great post.  Congrats on the Feature!  Condos and FHA financing/approvability is definitely an area where there are lots of questions from clients and agents alike.  This link will help both.  But I've often wondered why the website is unavailable on the weekends ... just the time that a large portion of those seeking condos will be out and available to look??  Doesn't really seem user-friendly or service-oriented ...


Posted by Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi, 708.921.6331 - 40+ yrs experience (NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656) about 7 years ago

Thanks for the post, I just saved the link.

Posted by Roger Stensland, Let's Move! (Keller Williams Realty Puget Sound) about 7 years ago

Congrats on your post.  This is the first place I go to when I find out my client is FHA Approved and I know their looking for a Condo or a certain Subdivisions.  Thanks for sharing, great tool to have.

Posted by Graziella Bruner, Associate Broker - Serving Wayne & Oakland County (NCS Premier Real Estate) about 7 years ago

Fernando and Roger, hope the link is hlpeful to you and your clients.

Nina, no better place to get confirmation that a complex is FHA approved and that approval is often necessary for a buyer to move forward.

Eric is the resource if you check on a complex and fnd out that it is not approved.  He will help you to get it approved.

Marcha and Graziella,  thank you.  Glad you find value in the link.

Gene, Totally agree!  I've always wondered if FHA;s web servers are union?  Why the site is not available when the public is often searching for condos or homes to buy has always baffled me as well.


Posted by Jon Sigler, South Windsor Homes for Sale 860-306-8029 (Keller Williams - Greater Hartford) about 7 years ago

Jon: Thank you. I've just added that link to a condo page I am building. I am suggesting that people look under a zip code so that they can find all the ones that are FHA approved in a given area.

Posted by Hella Mitschke Rothwell, Hawaii & California Real Estate Broker ((831) 626-4000) about 7 years ago

Hella, Zip code is certainly the most precise, I'll often look with the town/state since some towns may have more than one zip code and I'm only working with is this complex approved or what are approved in this town?

Posted by Jon Sigler, South Windsor Homes for Sale 860-306-8029 (Keller Williams - Greater Hartford) about 7 years ago

>>Oddly the FHA approved condo search page is not available 24 hours a day...


I was going to mention this too, Jon, but your article is very complete.  Whenever HUD has a day off, that website isn't operational.



Posted by Raymond Denton, Veteran Friendly Realtor® (Homesmart / Evergreen Realty) about 7 years ago

When condo buyers are financing through FHA or VA, I always give them a list of the approved condos in the area as well as the URLs so they can check for themselves.


Message to Commenter #12:  I know you think you've stumbled onto a great marketing strategy, but it's just annoying.

Posted by Debra Hight, Debra Hight (Coldwell Banker United, Realtors) about 7 years ago

Excellent blog. This is useful information. We have so many condos and townhomes in our area that won't go FHA and it would save a lot of time and trauma to know before being disappointed.


Posted by Team Honeycutt (Allen Tate) about 7 years ago

This is great information for both the public and real estate agent.

Posted by Harry F. D'Elia III, Investor , Mentor, GRI, Radio, CIPS, REOs, ABR (RentVest) about 7 years ago

Few condos in my market, but good information to have. I have been seeing more inquiries over the "mls talk" asking about how to find out if a complex is approved.

Posted by Than Maynard, Broker - Licensed to List & Sell - 405-990-8862 (Coldwell Banker Heart of Oklahoma) about 7 years ago

Went to the site. In my area VA is much more prevalent with the Bases that are here. Not much FHA approved. Great site. Thanks for the info.

Posted by Bill Reddington, Destin Florida Real Estate (Re/max By The Sea) about 7 years ago

Great information.  I don't like relying on the listing agent who may get it wrong, or not know (and yes, sometimes they don't know about FHA approved condos).  I love posts like this.  Informative AND a spam comment for a 10 pt score!!  ;-)

Posted by Carla Muss-Jacobs, RETIRED (RETIRED / State License is Inactive) about 7 years ago

Raymond, only a government website would be unavailable when they are not actually in the office! 

Debra, great idea.  While our buyer may be interested in one property, often they end up buying another.  A list of complex's is a great way to help them in their search and insure that buyer stays with you!

Allen, I always say better to know upfront that fall in love with something you can't buy.

Harry, thanks for checking out the post!

Than, bookmark this post so you can reference it later!

Bill, check out Eric Boucher who commented on this post.  He bills himself as The FHA Condo Approval Guy.  Work with him and get complex's in your area approved for FHA financing.  Great guy, great resource.

Carla, 20 comments so far and 3 were spam!  Easy enough to delete them!   I'm a big fact checker myself.  Glad you found the post informative.

Posted by Jon Sigler, South Windsor Homes for Sale 860-306-8029 (Keller Williams - Greater Hartford) about 7 years ago

Great information on defining a condo.  Thanks for sharing with us today.

Posted by Edward & Celia Maddox, EXPERIENCE & INTEGRITY - WE TAKE THE HIGH ROAD (The Celtic Connection Realty) about 7 years ago

Few REALTORS in our area even know this is an issue. I would say 90% of our condos are NOT FHA approved. Handy list to have!

Posted by Lori Cain, Midtown Tulsa Real Estate Top Producer (eXp Realty) about 7 years ago

Lori, reach out to Eric Boucher, The FHA Condo Approval Guy.  Great resource, FHA financing makes condo's much more appealing to buyers.

Edward and Celia, thanks for stopping by, hope this information is helpful for you in the future!

Posted by Jon Sigler, South Windsor Homes for Sale 860-306-8029 (Keller Williams - Greater Hartford) about 7 years ago

Jon, this is great information and the site is easy to use.

Posted by Sharon Parisi, Dallas Homes (United Real Estate Dallas ) about 7 years ago

Jon ~ I learned something new from your blog. I did not realize FHA condo approvals could possibly expire. Thanks for sharing.

Posted by Kristal Wilson, Cause We Like 'Em New ~ New Home Specialist! (KB Home) about 7 years ago

I used to check it online, but now I just ask my lender to check it.

Yet, thanks for reminding about this link, sometimes you need this information sooner and it will be convenient to check it at the location.

Posted by Inna Ivchenko, Realtor® • Green • GRI • HAFA • PSC Calabasas CA (Barcode Properties) about 7 years ago

Dear Jon -

Great info. Not only Buyers need approval - if the complex does not have its approval, no deal. Not always easy to explain to others. Will use a link to your post in the future.

Have a happy day -

Posted by Lynn B. Friedman, Concierge Service for Our Atlanta Sellers & Buyers (Atlanta Homes ODAT Realty Call/Text 404-939-2727 Buckhead - Midtown - Westside -- and more ...) about 7 years ago

Lynn, with condos there is more than just if the borrower is qualified.  The double checking we do about the complex is good for both the lender and buyer!

Inna, if you have access to the internet when you need the answer it can often be quicker to just check than make a call.

Kristal, back in the day when a complex was approved it was permanent, now those approvals are good for 2 years I believe.  Good to keep checking and making sure they meet FHA's standards.

Sharon, glad you find the site useful.  Thanks for stopping by.

Posted by Jon Sigler, South Windsor Homes for Sale 860-306-8029 (Keller Williams - Greater Hartford) about 7 years ago
At the same time you need to know what the legal ownership is for the property. We have a lot of townhomes that are condominium ownership. So if you make the mistake and assume its a condo, check the site and see it is not approved (by it not being on the list), it very well could be off the list because it's fee simple.
Posted by Aaron Hofmann, aka Mr. Smyrna Vinings (Atlanta Communities) about 7 years ago

This is why I love Active Rain. Where else can you get this type of professional information. I have to go to the PROS everynight to keep up with my business.  Thank You!  Jim

Posted by Jimmy Faulkner, The Best Of St. Augustine (Florida. Homes Realty & Mortgage) about 7 years ago

Aaron, you make an excellent point and I'm going to amend the article to include some info on PUD's which FHA does not require approval of.

Jimmy, glad you love ActiveRain!

Posted by Jon Sigler, South Windsor Homes for Sale 860-306-8029 (Keller Williams - Greater Hartford) about 7 years ago

Thank you so much  I had no idea this search was available - Priceless

Posted by Karen Ann Martin, Realtor Fall River Westport MA Real Estate Agent (Safe Harbor Realty ) about 7 years ago

Karen, hope this information is helpful to you in the future!

Posted by Jon Sigler, South Windsor Homes for Sale 860-306-8029 (Keller Williams - Greater Hartford) about 7 years ago

Jon FHA approval on the FHA website is just the FIRST step.. There are many many more conditions to be met before an FHA buyer can buy a condo.  eg. investor ratio, # of delinquencies past 30 day,  amount of fidelity bond etc etc. etc... It is important that ALL of these FHA requirements are satisfied.

Posted by Joan Whitebook, Consumer Focused Real Estate Services (BHG The Masiello Group) about 7 years ago
It is vital for buyers to have the resources to educate themselves.
Posted by Carol Zingone, Global Realtor in Jax Beach, FL - ABR, CRS, CIPS (Berkshire Hathaway Home Services Florida Network Realty) about 7 years ago

Jon, thanks for sharing good info.

Surprisingly enough, the website is NOT 24x7 (which I fail to understand as this is just the information!)

Posted by Praful Thakkar, Andover, MA: Andover Luxury Homes For Sale (LAER Realty Partners) about 7 years ago

Hey Jon,

I just started a draft of a post with the same topic.  How ironic!  I will continue to complete my draft and post.  I will add the VA link as well to the post.  Good point by Aaron concerning townhomes in Georgia.  Best of GREAT success to you this year!

Posted by Jordon Wheeler, J W Group Real Estate Sales and Service (The Jordon Wheeler Group) about 7 years ago

Excellent post on Condos and FHA requirements.  PUD definitely makes a difference in financing options for many low income buyers.

Posted by Michele Peterson, Sellstate Realty First (Sellstate Realty First) about 7 years ago

Thanks Jon, I'm going to Bookmark this post so i can retrieve it later to check complexs !!!

Posted by Michael J. Perry, Lancaster, PA Relo Specialist (KW Elite ) about 7 years ago

Great info for consumers...Its always best to check this before showing condos to an FHA buyer!

Posted by Sean Williams, Your Louisville Realtor (AcklesWilliams of Semonin Realtors) about 7 years ago

Thanks for the info and the website. I have needed this in the past and not found any way to check. Seems not all lenders want to bother finding out for agents either. 

Posted by Janis Borgueta, LIC RE Salesperson (Key Properties of the Hudson Valley ) about 7 years ago

does Real estate training courses discuss this concept? 

Posted by Ron Aguilar, Mortgage & Real Estate Advisor since 1995 (Continental Mortgage) about 7 years ago

Jon, Thank you for a great resource.  I was amazed to see that only one condo complex in my market area is approved for FHA mortgages.  The President of the Board at one complex told me that they don't want the low down payments that FHA allows, because they resulted in foreclosures in their complex, so they deliberately have not filled out the paperwork required to allow FHA mortgages.

Posted by Gail Robinson, CRS, GRI, e-PRO Fairfield County, CT (William Raveis Real Estate) about 7 years ago

Handy link, and good advice. Thanks Jon.

Posted by Lottie Kendall, Helping make your real estate dreams a reality (Compass) about 7 years ago

Thanks for sharing this link - I wasn't aware of it.  Just visited it and stored it in my favorites for future use.

Posted by Terry McCarley, REALTOR, SRES, CDPE - Cape Coral, FL (REMAX Trend - Cape Coral FL) about 7 years ago

Great info. This is a topic I haven't seen  before.

Posted by Jill Sackler, LI South Shore Real Estate - Broker Associate (Charles Rutenberg Realty Inc. 516-575-7500) about 7 years ago

Hi Jon, This information up front before doing any showings is really good and important to know when taking a listing. There are many condo communities in our area that are not approved by FHA unfortunately.  Some due to the high ratio of rentals in the community, others for maintenance issues.

Great post, good it was featured.

Thank you.


Posted by Gloria Todor, & Doug Durren (484) 431-3686 in SE PA (Weichert Realtors) about 7 years ago

I always hate when I check the site "after hours" and have to wait until the next day.  Doesn't make sense for a website.  I wish more condos were FHA approved, and I'm seeing more and more than were approved letting that approval expire and not bothering going forward, or they may no longer qualify.

Posted by Judy Orr, SW & Near West Chicago suburbs (HomeSmart Realty Group) about 7 years ago

Thank you for the link and also thank you for the clarification about PUDs vs. Condos!

Posted by Michael J. O'Connor, Eastvale - 951-847-4883 (Diamond Ridge Realty) about 7 years ago

Joan #34 is right.  That is just a start.  Talk to HOA and they will know as well as local lenders.  I check them all to make sure before even submitting an offer.  As they they take a lot of extra work, I also have an additional commission structure.

Posted by Ric Mills, Integrity, Honesty, and Vast Real Estate Knowledge (Keller Williams Southern Az) about 7 years ago

Joan, you must be experiencing lender overlays.  We do not require re-certification of all of the items you mentioned if the complex is on the FHA list and the borrower is getting an FHA loan.  We do check if the complex carries H06 insurance, or "walls in" coverage.  Regardless of FHA or conventional unit owners are required to have the "walls in" coverage from their association or through traditionally escrowed home/condo owners insurance.

Carol, please share with all your buyers!

Praful, it is crazy to not have the website available nights and weekends.  Maybe in the future?

Jordon, write your article, it is clear this is a topic that needs more exposure!

Michele, Really glad that Aaron suggested the PUD check.  PUD's are treated just like a regular single family home.

Michael, hope you get much use from this article in the future!

Sean, I'm a believer in making sure you can pay for the dream before you fall in love with it.  Checking this list before looking at condo's saves time and makes for a transaction that is more likely to close!

Posted by Jon Sigler, South Windsor Homes for Sale 860-306-8029 (Keller Williams - Greater Hartford) about 7 years ago

Thanks Jon, that is a great post and information to know.

Posted by Bob Miller, The Ocala Dream Team (Keller Williams Cornerstone Realty) about 7 years ago

Janis, sorry your lender was unwilling to look up if a condo was approved!  Call me, I'll gladly look it up for you!

Ron, I'm willing to bet that this is not covered in any basic class.  Maybe a lender focused CE, but that would be it.  How to help unit owners and associations obtain, maintain and use FHA financing to help increase unit values I think is very hot topic!

Gail, It is sad to hear people confused small down payments with an inability to pay or potentially undesirable neighbors.  What you put down isn't the fact that matters, can a buyer actually afford the unit.  A question that is there with 20% down conventional loans and no money down USDA loans alike.

Lottie and Terry, hope you get great value from this in the future.

Jill, when FHA ended permanent approvals of complex's this became an issue we all need to pay attention to!

Gloria, thank you for reblogging this article!

Judy, reach out to Eric Boucher one of the commenters on this article, he is a great resource who can help you in getting complex's approved, a great marketing opportunity!

Michael, the PUD bit was a great add-on thank you to Aaron for pointing it out!

Ric, like Joan you must be experiencing lender overlays.  An FHA approved condo and an FHA loan there should be no more double checking.  An FHA approval though doesn't mean anything other than the association likely will be okay for a buyer with a conventional loan.  FHA buyer, make sure it is FHA approved.

Posted by Jon Sigler, South Windsor Homes for Sale 860-306-8029 (Keller Williams - Greater Hartford) about 7 years ago

Bob, thanks for checking out this post!

Posted by Jon Sigler, South Windsor Homes for Sale 860-306-8029 (Keller Williams - Greater Hartford) about 7 years ago

Great information here. I am bookmarking this for later. Thanks!

Posted by Gary L. Waters Broker Associate, Bucci Realty, Fifteen Years Experience in Brevard County (Bucci Realty, Inc.) about 7 years ago

in my experience, a lot of buyers ask the current HOA of the units are FHA approved.  Later, they doscover through the morgage application process that the units are not approved....this would be a night,marfe for a cash investor buyer to discover this later

Posted by Paddy Deighan JD PhD, Paddy Deighan J.D. Ph.D ( about 7 years ago

Gary, hope you are able to use this article many times in the future!

Paddy, anyone buying a condo should check the list of approved condo's before acting.

Posted by Jon Sigler, South Windsor Homes for Sale 860-306-8029 (Keller Williams - Greater Hartford) about 7 years ago

Congrats on the Feature! Great information! It's just a matter of time before I end up in a condo....this maintenance of home ownership is getting old!  

Posted by Sharon Tara, New Hampshire Home Stager (Sharon Tara Transformations) about 7 years ago

Sharon, thank you! condo's make a great lifestyle choice!

Posted by Jon Sigler, South Windsor Homes for Sale 860-306-8029 (Keller Williams - Greater Hartford) about 7 years ago


We don't do many condos, so this is incredibly timely for us, as I couldn't figure out how to check a current listings' status!!!

Thank you so much.  

All the best, Michelle

Posted by Michelle Francis, Realtor, Buckhead Atlanta Homes for Sale & Lease (Tim Francis Realty LLC) about 7 years ago

Michelle, hope you found the link useful and save it for future reference.

Posted by Jon Sigler, South Windsor Homes for Sale 860-306-8029 (Keller Williams - Greater Hartford) about 7 years ago

Thanks and what a great resource!  I never realized how very few condos in Sarasota are approved!  This will save me so much time.  Much appreciated.

Posted by Marnie Matarese, Showing you the best of Sarasota! (DWELL REAL ESTATE) about 7 years ago

Marnie, FHA approval and FHA finacing make for a much easier situation!  Thanks for stopping by!

Posted by Jon Sigler, South Windsor Homes for Sale 860-306-8029 (Keller Williams - Greater Hartford) about 7 years ago

Well I am putting that on my BookMark List.  I ussually ask the lender.  Thanks for the post.

Posted by Gene Riemenschneider, Turning Houses into Homes (Home Point Real Estate) about 7 years ago

Gene, hope that having this tool is helpful for you in the future!

Posted by Jon Sigler, South Windsor Homes for Sale 860-306-8029 (Keller Williams - Greater Hartford) about 7 years ago

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