Community Archives

VA (Veterans Administration) Certification Assistance Program

Available to all Condominium Associations! As well as those who have contracted with Community Archives for their Re-Sale Processing.

What is the VA?

The United States Veterans Administration (VA) provides benefits to active duty and honorably discharged military as well as their families. The VA provides a wide range of benefits including, Disability, Education and Training, Vocational Rehabilitation and Employment, Home Loan Guaranty, Dependant and Survivor Benefits, Medical Treatment, Life Insurance and Burial Benefits. One of these benefits, known as The VA Mortgage Guarantee Program offers 100% financing to veterans. Like FHA insured loans, the requirements to those buyers utilizing this program are less strict in today's lending market; and because of this, we are experiencing an increase in the number of people who are utilizing their VA Loan benefits.

Decisions the condominium association may be facing?

Condominiums must be VA certified in order for the buyer to purchase a unit on a VA loan. Likewise, a seller cannot sell to someone who wishes to utilize their VA mortgage without the association becoming certified. The VA does not do "spot approvals" and no longer automatically accepts any HUD/FHA/USDA project approved after 12/7/09. If your condominium association has been FHA approved, it does not mean that the condominium association is automatically VA approved. If the FHA approval was after December 7, 2009 then the condominium association needs to submit an application to the VA for certification approval. The major difference in this process is that the VA would like to see an Attorney Opinion Letter included in the submission.

Who is responsible for obtaining the VA certification?
There are a number of varying opinions from association attorneys, lenders, sellers, and buyers as to the responsibility for VA certification and possible strategies which a condominium board should consider.

1. Do nothing as a board and let others, such as lenders, try to obtain the VA certification for your association. This path can be more difficult without the assistance of the association in providing the necessary documents or an Attorney Opinion letter submitted with the lenders package.

2. Apply for the VA certification on behalf of the association. With this option the association controls the certification process and can determine when and if to apply for VA certification.

How Community Archives Can Provide You With Further Guidance

There is a significant amount of information to consider while the condominium association Board of Directors contemplates VA certification; and tackling the certification process may seem like a daunting task. For this reason, Community Archives has created a VA Certification Assistance Program to assist your condominium association through this process.

For more information please contact our VA Certification expert directly at or by phone at 530-797-6855.