Purchasing a Condo with a VA Loan on Oahu

If you are planning on purchasing a condo with a VA Loan on Oahu, be aware that not all condos will qualify. Unlike a home, which has to solely qualify based criteria outlined by the U.S. Department of Veterans Affairs, purchasing a condo requires that the entire building is VA Approved, not just the unit. So while the individual condo unit may be in beautiful condition, the building itself may not meet the VA requirements, and a VA Loan purchase will not be feasible.

So, as you are searching listings on the MLS, how do you see which condo qualifies and which doesn’t?

Unfortunately, you can’t!

There is really no good way to find out the VA eligibility just by looking at listings. Occasionally the description will say “VA Approved”, or something to that effect, but these comments are few and far between.

One of the best ways, although not always a 100% guarantee of VA eligibility, is this VA Condo site. It’s the official VA condo eligibility site, and it outlines which buildings qualify and which may have further conditions.

If the condo building shows up as eligible on the VA Condo Site, it’s always best to check with your Realtor for any additional information that may be known about the condominium prior to scheduling showings. Checking with the lender prior to making an offer is a must as well. There could be additional details that the lender is aware of about the building or its management.

Align yourself with a Realtor and a lender who understand the VA purchase process, and who will be processing your VA loan on Oahu. Do this prior to starting a condo search. You will save yourself a lot of time and prevent possible frustration in finding the right residence.

For additional information and assistance on purchasing a condo on Oahu, please don’t hesitate to contact me.

Kinga Mills RA, RS-75728

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About the Author

Kinga Mills

Kinga Mills is a REALTOR Associate, Forbes Global Properties, Luxury Portfolio Affiliate, & Military Relocation Professional with Hawai'i Life. I adore Hawaii, its people, and the natural beauty that surrounds me. I live on Oahu. It's a pretty incredible place to call home. There is a little bit of everything here. From pristine beaches and quiet neighborhoods to the trendiest of restaurants in the urban Honolulu. I simply love Oahu and the variety it offers. My real estate career allows me to enjoy the Island life, and to work with some amazing people. With over a decade of experience and hundreds of closed sales, I provide my clients with expert buying and selling advice. My goal for clients is to enjoy the process, while my team and I handle the details. As a member of the Hawaii Life Military Specialized Team, I regularly provide real estate assistance to active-duty military personnel who are PCSing to Hawaii, to the mainland, or overseas. For the Luxury Real Real Estate buyers and sellers, I am affiliated with Luxury Portfolio International and Forbes Global Properties. These exclusive affiliations extend an even greater reach, exposure, and effectiveness within the global luxury marketplace. In my time off, I love walking along the beach, enjoying meals out on the town, and taking family vacations. Sign up for my Oahu Hawaii Life blog updates and follow my journey. You can also find me on HGTV "Hawaii Life" Season 14. I look forward to helping in making your Hawaii Life real estate dreams happen! You can email me at or via phone at (808) 722-3985.

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