VA Certificate of Eligibility (COE)

VA Certificate of Eligibility (COE)

How To Get a VA Certificate of Eligibility (COE)

For qualified veterans, VA loans offer huge benefits, including low-interest rates and a more streamlined qualification process. To get the ball rolling on the qualifying process, however, you’ll need to get your Certificate of Eligibility. 

Steps To Order Your Certificate of Eligibility

  1. Have your VA mortgage lender request it on your behalf of the veteran through ACE, a secure online VA portal.
  2. Complete VA Form 26-1880, Request For A Certificate Of Eligibility For VA Home Loan Benefits, signed and dated by you.
  3. For non-active duty veterans, attach a copy of DD214, Certificate of Separation from Active Duty. 
  4. For active duty personnel, furnish a Statement of Service letter signed by, or by the direction of, the adjutant, personnel officer, or commander of the unit.
  5. Mail the completed application and a copy of Discharge Papers to the Winston-Salem Eligibility Center for processing.

Of course, a COE is just the beginning of qualifying for a VA loan. You will also need proof of sufficient income and suitable credit, proof of your intent to make the home your primary residence, and be able to demonstrate that you meet the required service commitment and/or duty status requirements to be considered eligible and approved for a VA Guaranteed Home Loan. 

What makes a veteran able to obtain a COE from the VA? He or she must meet one of the following requirements:

  • Served 90 consecutive days active duty during wartime 
  • Served 181 days active duty during peacetime
  • Served more than six years in the National Guard or the Reserves

Moreover, surviving spouses of veterans who died on active duty or whose spouses died as the result of disabilities sustained while on active duty may also qualify for VA home loans.

Want help learning if you are eligible for a VA home loan or securing your Certificate of Eligibility? Contact a Mortgage Advisor today.