San Diego VA Approved Condos For Sale in 2022 | 2023

San Diego County CA VA Approved Condos For Sale

If you have previously been in the military and are looking for a new home, you may want to check out available condos, when you’re searching for your next address. 

A great thing about condos is that they are easier to keep up with in terms of maintenance, and they are often located in the heart of what is going on in the city.

READ: San Diego vs. San Jose: Which California City is Best in 2022 | 2023?

While they are a little different than traditional houses, they can come with some major perks. 

For example, it’s not too hard to purchase one, if you’re eligible for a VA loan. 

Here’s a look at the process of finding a VA approved condo in San Diego, so you can see if it’s something that may suit your family’s needs. 

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Here's a quick rundown of our list:

VA Loans

VA, or Veterans Administration, is a government agency you may have heard of. 

They are responsible for keeping up with the nation’s veterans and offering them a number of different programs and benefits.

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One of these is a VA loan, which is given towards the purchase of a new home. 

Of course, you must be eligible for this type of loan to get one, as there are a few stipulations. 

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A service member must have completed: 

  • 2 years of military service

  • 6 years as a Reservist/National Guardsman

  • 90 days active duty when the nation was at war, or

  • 181 days active duty in times of peace

Along with this type of loan, you won’t be required to offer up a down payment and will have low interest rates as well. 

Make sure you check out our San Diego VA mortgage loan articles for more details. 

VA Approved Condos

There are already many condos that are approved to receive this kind of loan.

In order to find an approved condo, you’ll first need to search the database on the VA website

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This will help you find condos that you can purchase in the areas you are interested in around San Diego. 

The buildings have to go through a special process in order to be eligible and they must meet certain requirements as well.

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You can’t just go find a condo in any complex and hope you’ll get a loan approval, which is essentially what the process previously consisted of. 

The entire building has to be vetted now, which can streamline the process and make it easier to find what you want. 

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VA Condominium Rules

Here is a look at the rules that a complex must follow in order to meet the VA regulations:

  • They must be able to produce 3 years of financial documents, which are in good order.

  • No one person or company can hold more than 10% of the units.

  • There can only be 10% or fewer units that have HOA fees that are 60 days late.

  • They must have a minimum of 35% of units occupied.

  • They must have at least 20% of their budget readily available, to protect against damages, emergencies, and other things. 

  • All units must be covered by insurance policies.

These rules must be met by all condo buildings that want to be certified for VA loans. 

If they don’t meet them, then they won’t be accepted. 

If you find a condo you want and it is eligible for a VA loan, most of the work is done for you. 

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However, if the condo you want to purchase is not eligible for that type of loan, there are three things you can do. 

You can meet with the board or management of a property and ask them if they would be willing to get on the VA loan approved list. 

It can be a lengthy and invasive process, but it can also be quite worthwhile to a given property. 

You can also consider getting a different type of loan, if you are really in love with a property and don’t want it to go to someone else. 

Each type of loan has its pros and cons, so you’ll likely want to meet with a real estate agent to discuss what your options are and how to get the best deal. 

The third thing you can do is just keep looking. 

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Even if you have your heart set on a property that isn’t eligible, if you wait a little while, it may become eligible, or you may end up finding something you like more. 

Keep in mind that finding one of these condos doesn’t necessarily guarantee that you will get a loan to buy one, but if the site is eligible, and you are also, there’s a good chance you’ll get the VA loan you’ll looking forward to.

Tips

Although you might be anxious to get into a new home, don’t hesitate to take your time when looking for applicable condos. 

You still want to get a good deal, even if you are eligible for a loan that has the perks that a VA loan has.

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Furthermore, this is where you will potentially be living for a long time, so you want to be sure you like the area and enjoy the place. 

If you still aren’t sold on a condo, there are a few more things that make them a great place to live. 

You’ll likely have access to amenities that would normally cost you extra, like security, fitness areas, or pools. 

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The Takeaway

There’s no right answer when it comes to what type of home you can purchase for your family with a VA loan.

This means you can even choose a condo, if that’s something that interests you.

Until recently, you were able to choose which condo you wanted and possibly get approved for a loan, but now things are a little bit different. 

READ: 7 Reasons to Buy a Home in San Diego in 2022 | 2023

Now you must search for eligible units via the VA page, which can help you find prospective places in different areas. 

It will also show you a condo report, so you’ll know what to do next. 

There are many reasons to choose a condo over a traditional home, especially if you don’t need a lot of space. 

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They are cheaper, you won’t be responsible for high maintenance costs, and there are often high levels of security in place.

What do you think?

? I would love to help assist you with your home purchase, home sale, or home loan - please feel free to give me a call, text, or use the form below. 

Your VA Condo Insider, 

Scott

Get Scott's Personal Help Below...


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See San Diego's VA Approved Condos Below...

2440 Properties
Page 1 of 68
Open 9/30
17637 Pomerado #218 San Diego, CA 92128
$539,000
Neighborhood: Oaks North
2
Beds
2
Baths
980
Sq.Ft.
1980
Year Built
1
Day on Site
220024492
MLS
Super End Unit on top floor so no one above! Low HOA fee includes Water & upgraded Cable with HBO & Showtime. Excellent for those who need elevator plus Garage is near the Entrance gate....
$1,074,900
Neighborhood: Sienna
5
Beds
4
Baths
3,086
Sq.Ft.
2019
Year Built
1
Day on Site
305796692
MLS
Amazing, Turn-Key 2 1/2 Year Old Home in the Sienna Community of Vista. This Beautiful Home and Property Features: A Bright and Open Floor Plan, Nine Owned Solar Panels, Quartz Counter Tops in the...
$1,499,999
Neighborhood: Laurel Pointe
6
Beds
3F11/2
Baths
3,543
Sq.Ft.
2017
Year Built
1
Day on Site
305797182
MLS
No description available...
Coming Soon on 09/28
1538 Paulann Ct Fallbrook, CA 92028
$775,000
Neighborhood: Fallbrook
3
Beds
2
Baths
1,864
Sq.Ft.
2003
Year Built
1
Day on Site
220024494
MLS
Beautifully updated move-in ready 3 bed, 2 bath, 1,864 ft.² single-story home on a cul-de-sac in a highly desirable Fallbrook neighborhood. Entertain family and friends in your large backyard...
Coming Soon on 10/01
6096 Crawford St San Diego, CA 92120
$1,198,000
Neighborhood: Allied Gardens
4
Beds
3
Baths
1,723
Sq.Ft.
1958
Year Built
1
Day on Site
220024496
MLS
No description available...
Coming Soon on 10/01
32413 Lilac Rd Valley Center, CA 92082
$1,300,000
Neighborhood: Valley Center
4
Beds
3
Baths
3,111
Sq.Ft.
2007
Year Built
1
Day on Site
220024497
MLS
No description available...
2
Beds
2
Baths
1,052
Sq.Ft.
1985
Year Built
2
Days on Site
305784859
MLS
Beautiful 2 bedroom 2 bathroom condo home located on the first floor with over 1050 square feet of living space in the popular Scripps Ranch community! Double master bedrooms. The kitchen has a...
Coming Soon on 09/28
12538 Paseo Lucido #142 San Diego, CA 92128
$859,995
Neighborhood: Bernardo Heights
2
Beds
2
Baths
1,397
Sq.Ft.
1985
Year Built
2
Days on Site
220024474
MLS
Incredible opportunity to own this private corner lot, single-level condo in the highly desirable Las Brisas community. This community includes 186 luxury units with incredible amenities. Residents...
$725,000
Neighborhood: Emerald Hills
3
Beds
2
Baths
1,234
Sq.Ft.
1960
Year Built
2
Days on Site
305797026
MLS
Welcome HOME to a stunning 3br/2ba in a highly desirable neighborhood area of Emerald Hills. Recently upgraded and is move in ready. This home is light, bright and cozy. It is centrally located near...
$610,000
Neighborhood: Costa Viva
2
Beds
2
Baths
1,040
Sq.Ft.
1974
Year Built
2
Days on Site
220022065
MLS
Spacious Mission Bay condominium in bay park- just a walk across the bridge to infamous mission bay. Your invite to spectacular resort like settings, sun and fun on the bay. Truly just east of I-5...
$1,149,000
Neighborhood: Oceanside
3
Beds
2
Baths
1,211
Sq.Ft.
1949
Year Built
2
Days on Site
220024476
MLS
Charming South Oceanside Beach House! Could be a perfect vacation rental. Property is landscaped with a tropical like feel all around. There is plenty of room on the rear and side of property for an...
Coming Soon on 09/29
10757 Len St Santee, CA 92071
$699,999
Neighborhood: Santee
4
Beds
2
Baths
1,371
Sq.Ft.
1974
Year Built
2
Days on Site
220024478
MLS
Welcome home to this quiet single story home in the city of Santee. 4-bedroom,2-bathroom home. Nice size master bedroom, huge living room with vaulted ceilings with plenty of room for your family to...
Coming Soon on 09/27
1465 C St #3514 San Diego, CA 92101
$622,000
Neighborhood: East Village
2
Beds
2
Baths
1,083
Sq.Ft.
2003
Year Built
2
Days on Site
220024488
MLS
Affordable and fun urban living at its finest! This spacious, newly repainted 2 bed, 2 bath residence in one of downtown's most secure buildings just got brand new flooring throughout... all fresh...
Coming Soon on 09/28
5107 Frost Ave. Carlsbad, CA 92008
$1,995,000
Neighborhood: Canterbury
5
Beds
2F11/2
Baths
3,038
Sq.Ft.
2000
Year Built
2
Days on Site
220024490
MLS
Huge, renovated home features: 5 bedrooms, 3 baths & no immediate neighbor to the south. Amazing, detached office perfect for a future ADU, work-out space, teenage hangout or keep it as an office....
3
Beds
2
Baths
900
Sq.Ft.
1997
Year Built
2
Days on Site
305797214
MLS
This is the lowest priced 3 bedroom townhouse in the entire San Diego county! This is a townhouse, NOT a condo. There is a difference! Located in a gated complex. This clean move-in ready single...
Coming Soon on 09/28
1506 Alvarado St Oceanside, CA 92054
$2,500,000
Neighborhood: South Oceanside
8
Beds
6
Baths
3,619
Sq.Ft.
2022
Year Built
2
Days on Site
220024491
MLS
South Oceanside new construction home with attached ADU & no HOA fees. Less than a mile from Buccaneer Beach/S. Coast Hwy. & west of the 5 freeway. Two story 5-bed 3-bath home with a shared wall to a...
$749,900
Neighborhood: Fletcher Hills
3
Beds
2
Baths
1,688
Sq.Ft.
1951
Year Built
3
Days on Site
305795355
MLS
This turn key home has it all: Large lot, great schools and private location! Located in Fletcher Hills, this freshly painted home boasts paid solar, two wonderful decks, and amazing views! Features...
Coming Soon on 09/29
14755 Deerwood St Poway, CA 92064
$1,349,000
Neighborhood: Rancho Arbolitos
4
Beds
3
Baths
2,736
Sq.Ft.
1989
Year Built
3
Days on Site
220024437
MLS
Located in sought-after Rancho Arbolitos sits this stunning home on a quiet cul-de-sac. Meticulously maintained, soaring ceilings greet you upon entering living room/dining room. Updated kitchen with...
$1,299,000
Neighborhood: Alpine
4
Beds
3
Baths
1,713
Sq.Ft.
1984
Year Built
3
Days on Site
220024438
MLS
Paid Solar and truly a one-of-a-kind property on 2 acres in the heart of Alpine. The main house offers 2 bedrooms and 2 baths with an open floorplan. There are two additional structures not included...
4
Beds
3
Baths
2,788
Sq.Ft.
1974
Year Built
3
Days on Site
305796700
MLS
Beautifully remodeled 4 bedroom 3 bathroom home which includes a downstairs studio/ ADU/ granny flat unit with a bathroom and kitchenette! Situated on a small private cul-de-sac and close to...
3
Beds
2
Baths
1,487
Sq.Ft.
1963
Year Built
3
Days on Site
305796701
MLS
WOW!! You will love this updated 3 bedroom, 2 bathroom home in Escondido. Beautiful designer tile accents. Open floor plan. Kitchen has stainless steel appliances and quartz counter tops. Laundry is...
$1,450,000
Neighborhood: Lake Hodges
4
Beds
3F11/2
Baths
3,415
Sq.Ft.
1990
Year Built
3
Days on Site
220024445
MLS
Custom Built, Beautiful, Wow Factor in Every Room, This Home was well thought out, Private Space, Separation, Breath Taking Views, Large Rooms, High Ceilings, Vanishing Edge Pool Over Looking Lake...
$1,195,000
Neighborhood: Point Loma Heights
3
Beds
2
Baths
824
Sq.Ft.
1942
Year Built
3
Days on Site
220024448
MLS
Welcome home to this cute 1942 fully-renovated 2/1 bungalow with detached ADU! This beautifully upgraded home is perfectly located in highly desirable neighborhood of Point Loma Heights, situated...
$849,995
Neighborhood: Kent Ranch
4
Beds
2F11/2
Baths
1,997
Sq.Ft.
1991
Year Built
3
Days on Site
305795806
MLS
Get ready to fall in love with this delightful split level home nestled in a cul-de-sac in the gorgeous Kent Ranch community in North Escondido! This beautiful home boasts 4 bedrooms, 2.5 bathrooms,...
Coming Soon on 10/01
1514 Calabria St Santee, CA 92071
$565,000
Neighborhood: Sky Ranch
2
Beds
2F11/2
Baths
1,085
Sq.Ft.
2010
Year Built
3
Days on Site
220024449
MLS
Welcome to this beautifully maintained 2 bed, 2.5 bath, 1,085 ft.² townhome located in the highly sought after Sky Ranch Community in Santee! This home offers a spacious floor plan with the living...
$799,000
Neighborhood: Escala
2
Beds
2
Baths
1,080
Sq.Ft.
2004
Year Built
3
Days on Site
220024450
MLS
Charming, sunny home in the Bungalows at Escala. This unit is a popular floorplan due to its split bedroom layout and large open living room and dining room. The spacious balcony is accessed off both...
3
Beds
2
Baths
1,323
Sq.Ft.
2005
Year Built
3
Days on Site
305796741
MLS
Manufactured home on permanent foundation. Its a great starter home for a family with lots of space for kids to play in the backyard and enjoy family BBQ. Cozy home with 3-bedroom, 2-bathrooms, and...
$1,189,000
Neighborhood: Escondido
6
Beds
4
Baths
3,040
Sq.Ft.
1976
Year Built
3
Days on Site
220024452
MLS
Completely remodeled home in brand new condition throughout. This home also has a 400sf ADU or Granny Flat. Property Features: Pool, Custom Front Door, LVT Flooring throughout, LED Lights, Stainless...
$1,498,800
Neighborhood: Kensington
4
Beds
3F11/2
Baths
2,044
Sq.Ft.
1931
Year Built
3
Days on Site
220022731
MLS
Experience the best of Kensington in this beautiful 4 bedroom / 3.5 bath Spanish Revival home with owned SOLAR & gorgeous Canyon Views! Take in all the lush scenery offered on any of the three custom...
$750,000
Neighborhood: Chula Vista
3
Beds
2F11/2
Baths
1,554
Sq.Ft.
2003
Year Built
3
Days on Site
220024459
MLS
Welcome home to this tastefully designed remodeled San Miguel Ranch townhome in a gated community! The open floor plan enhances an immaculate interior that is bright and sunny and includes relaxed...
$749,000
Neighborhood: Alpine East
3
Beds
2
Baths
1,875
Sq.Ft.
1978
Year Built
3
Days on Site
220024460
MLS
Stop the car! This fantastic single story ranch home offering three bedrooms and two baths is nestled at the end of the road with tons of privacy. This is the first time this home has been on the...
$629,000
Neighborhood: La Jolla
1
Beds
1
Baths
691
Sq.Ft.
1972
Year Built
3
Days on Site
220024462
MLS
Move into this beautiful condo in La Jolla with brand new upgrades. This condo offers brand new white cabinets, beautiful backsplash, stainless-steel kitchen appliances, vinyl plank flooring, quartz...
$799,000
Neighborhood: La Mesa
2
Beds
1F11/2
Baths
1,096
Sq.Ft.
1956
Year Built
3
Days on Site
220024464
MLS
Views! Views! Views! Welcome to Harbinson Breezes and this beautiful move-in ready 2 bedrooms, 1 and 1/2 baths, 1,096 sq.ft. single story home on a large 17,200 sq.ft. lot where you can see sunset...
Coming Soon on 10/15
7339 Calle Cristobal #166 San Diego, CA 92126
$685,000
Neighborhood: Sorrento Mesa
3
Beds
2
Baths
1,114
Sq.Ft.
1990
Year Built
3
Days on Site
220024466
MLS
This townhome has thousands of dollars in upgrades. See photos to appreciate this property! Great location with views of the Canyon, Open and bright upstairs 2 bedroom plus large loft (can serve as...
$699,000
Neighborhood: Lemon Grove
4
Beds
2
Baths
1,242
Sq.Ft.
1951
Year Built
3
Days on Site
220024468
MLS
Fantastic opportunity for this 3 bed, 2 bath home with an extra room perfect as a 4th bedroom, office or separate living space! Home is move-in ready with newly remodeled guest bathroom, light and...
3
Beds
2
Baths
1,796
Sq.Ft.
1973
Year Built
3
Days on Site
305796945
MLS
You will fall in love with this truly delightful house! You are presented with a gorgeous glass and wrought iron front door leading into a spacious, formal dining room which is handsomely appointed...

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