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Navigating the Waves: Can You Purchase a Condo in Surfside Beach or Sunny Isles with a VA Loan?


When it comes to using a VA loan for real estate, many military members and veterans explore various options for homeownership. In this blog post, we’ll delve into the possibility of purchasing a condo in two popular coastal destinations – Surfside Beach and Sunny Isles Beach – using a VA loan.

Understanding VA Loans:

VA loans, backed by the U.S. Department of Veterans Affairs, offer eligible service members and veterans an excellent opportunity to achieve homeownership with favorable terms. One key advantage is the absence of a down payment requirement, making it an attractive option for those who qualify.

Surfside Beach Condos and VA Loans:

Surfside Beach, known for its pristine shoreline and vibrant community, has caught the attention of prospective homebuyers. The question arises: Can you use a VA loan to purchase a condo in Surfside Beach? The answer is generally yes, but there are certain considerations to keep in mind.

  • VA Approval:
    • Ensure that the condo is VA-approved. The property must meet specific criteria set by the VA to be eligible for financing.
  • Condo Association Approval:
    • Condo associations may have their own set of rules and regulations. Verify that the condo is in compliance with the VA’s requirements and that the association is willing to work with VA loans.
  • Occupancy Requirements:
    • VA loans often require the property to be the primary residence of the borrower. Check if the condo association has any restrictions on occupancy.
  • Documentation Required:
    • Borrowers can request their lender to seek approval from the VA for the condo development. The lender needs to submit a written request for approval, including a copy of the condo’s organizational documents. These may include:
      • Declaration of covenants, conditions, and restrictions
      • Homeowner association bylaws and budget
      • Plat, map, or air lot survey
      • Special assessments and litigation statement
      • Minutes of the last two homeowner association meetings
      • Current financial and litigation statements
    • It’s important to note that condo developments are not obligated to provide this documentation.

Sunny Isles Condos and VA Loans:

Sunny Isles, renowned for its luxurious oceanfront properties, is another sought-after location. Here’s what you need to know about using a VA loan for a condo in Sunny Isles:

  • VA Approval:
    • Similar to Surfside Beach, ensure that the condo is VA-approved to qualify for financing.
  • Condo Association Policies:
    • Review the condo association’s policies regarding VA loans. Some associations may have restrictions or additional requirements.
  • Property Eligibility:
    • Confirm that the condo meets the VA’s property eligibility criteria, such as safety standards and habitability.


In conclusion, it is possible to use a VA loan to purchase a condo in Surfside Beach or Sunny Isles, but thorough research and due diligence are essential. Working with a knowledgeable real estate agent and loan officer experienced in VA transactions can streamline the process, helping you achieve your dream of owning a coastal condo with the support of VA financing. Remember to stay informed about the necessary documentation and collaborate closely with your lender to navigate the complexities of VA loan approval for condo developments.