Apply for the Certificate of Eligibility

Veterans: Simple easy steps to guide you to success

To get a Certificate of Eligibility (COE) for a VA home loan, a veteran must follow a specific process. The COE is essential for securing a VA-backed mortgage, as it proves the veteran's eligibility based on their service history. Here’s how a veteran can obtain a COE:

1. Determine Eligibility

First, the veteran must meet the eligibility requirements for a VA loan, which typically depend on:

• Length of Service: Generally, veterans must have served 90 consecutive days of active duty during wartime or 181 days during peacetime. National Guard or Reserve service may also qualify.

• Discharge Status: Veterans must have an honorable or general discharge, but those with a less-than-honorable discharge may still qualify under certain circumstances.

2. Apply for the Certificate of Eligibility

There are several ways to apply for a Certificate of Eligibility:

a. Online (eBenefits Portal)

• Fastest Method: This is the most efficient way for most veterans to apply.

• Requirements: You’ll need a Premium eBenefits account to access the application.

• Process:

  • Visit the VA's eBenefits website: www.ebenefits.va.gov

  • Log in or create an account.

  • Navigate to the "VA Home Loan" section.

  • Request your Certificate of Eligibility.

  • The process is often automated, and you may receive your COE instantly.

b. Through a Lender

• Many veterans apply through a VA-approved lender.

• The lender can help you obtain the COE by submitting the application directly to the VA on your behalf. This is a good option if you're not familiar with the process or don’t have an eBenefits account.

• Lender websites often have a streamlined process for submitting a COE request. Some lenders will even offer to assist you with the application for free.

c. By Mail (VA Regional Loan Center)

• If you prefer paper forms, you can fill out VA Form 26-1880 ("Request for a Certificate of Eligibility") and mail it to the nearest VA Regional Loan Center. You can find the form here: VA Form 26-1880.

• Mailing address will depend on your location, and you can find it on the VA's website.

d. By Phone (VA Regional Loan Center)

• Veterans may also request a COE by calling the VA’s Loan Eligibility Department at 1-800-827-1000. This method might require additional verification steps.

“America’s veterans have served their country with the belief that democracy and freedom are ideals to be upheld around the world." – John Doolittle

3. Wait for the COE

• Online: If you apply online, you might receive the COE immediately (in some cases).

• By Mail: The processing time for a mailed request is usually around 3-4 weeks, depending on your service record and the VA's workload.

4. Use the COE

• Once the COE is issued, it can be given to your lender when applying for a VA home loan. The lender will use it to determine your eligibility and benefits, including the loan amount you qualify for.

Additional Notes:

Veterans with Specific Circumstances: Veterans who served in specific units or were on certain types of service (such as being a National Guard or Reserve member) might need additional documentation or have different eligibility requirements.

Restoration of Eligibility: If a veteran has used a VA loan before and paid it off, they may be eligible for restoration of eligibility to use the benefit again.