Buying a South Florida condo? Check the building’s approval before you fall in love.

What a lender checks that has nothing to do with you

Your file is only half of the decision. These are properties of the project, and no amount of borrower strength changes them.

• Approval lists. FHA and VA each publish which projects they will lend in. If the building isn’t on the list, that loan type is off the table there — whatever your credit looks like.
• Reserves and the budget. How much the association holds against future repairs, and whether a reserve study has been filed.
• Structural filings. Milestone inspection and 40-year recertification status, which in Florida now sit close to the centre of the conversation.
• The association itself. Owner-occupancy share, delinquency rate, insurance, litigation, and how quickly the board returns a lender questionnaire.

What we can show you, and what we can’t

• 1FHA and VA standing — public, and here. Both agencies publish their project lists. We read them, date them, and link every status back to its official source, so you can check the building yourself in a few seconds.
• 2Structural and reserve signals — public, and here. Milestone, reserve study and recertification filings, each with the date it was read. Where a filing isn’t found we say unconfirmed, because an absent record is not evidence of a violation.
• 3Conventional — not publishable. The Fannie Mae and Freddie Mac project lists are not public record, so nobody can honestly publish that status, and you should be sceptical of any site that claims to. A licensed loan officer can check it directly for a specific building.

Our signals are leads for a conversation, never verdicts on a building. A flag means something is worth asking about — not that the building is unsound, and not that you can’t buy there.

What a flagged building looks like

Where the record shows several signals stacked together, we publish a due-diligence read: what the filings say, and the questions worth putting to the association before you go further. A few live examples.

• Byron East · Miami Beach4 signals
• Sixth Moorings · Miami4 signals
• 1800 Biscayne Plaza · Miami3 signals
• 601 CONDOMINIUM · Miami Beach3 signals

Browse by city

Each county page breaks down by city: how many buildings we hold, how many are FHA-approved or VA-accepted, what’s in preconstruction, and how many carry flagged signals.

Before you write an offer

• Look the building up here first. Free, no account. If FHA or VA standing matters to your loan, you will know in seconds whether it exists.
• Ask a licensed loan officer about conventional standing for that specific building, early — before the inspection period, not during it.
• Ask the association for the budget, reserve schedule and any milestone report. A board that answers quickly is itself a good sign.