How to get a VA Certificate of Eligibility

Obtaining a Certificate of Eligibility is the first step toward getting a VA home loan. There are three primary ways to get a Certificate of Eligibility. You can apply directly online, by mail or through a VA-approved lender.

There are many advantages to VA mortgages, including easier eligibility requirements. The mission of the VA home loan program is to get more veterans and active-duty service members into homes with favorable loan terms. VA loans are also available for some family members of veterans, such as surviving spouses of service members who died in active duty.

What is a Certificate of Eligibility?

A Certificate of Eligibility (COE) is a form obtained from the VA that certifies you qualify for a VA home loan. It proves that you meet the service history and duty requirements to be eligible for a mortgage that is backed by the U.S. Department of Veterans Affairs.

You can apply for a COE if you are a service member who has served for 90 continuous days; are a veteran who served more than 90 total days during wartime or 181 continuous days during peacetime; or served in the National Guard or Selected Reserve for at least six years and meet certain criteria.

You can also apply for a COE if you are the spouse of a veteran who died while in service or from a service-related disability or are the spouse of a veteran who's a prisoner of war or missing in action.

How to get a VA Certificate of Eligibility

You can apply for a VA COE online through eBenefits, by mail or, in some cases, through your lender. The information you need to apply for a COE differs based on your status.

For example, if you are a veteran, you will need a copy of your discharge or separation papers (DD214).

If you are an active-duty service member, you’ll need a statement of service signed by your commander, adjutant or personnel officer with your name, Social Security number, date of birth, the date you entered duty, the duration of any lost time and the name of the person providing the information.

If you are a surviving spouse, you will need the veteran’s separation papers (DD214) and other documents, depending on whether or not you're receiving Dependency and Indemnity Compensation benefits.

Bottom line

VA loans, backed by the Department of Veterans Affairs, provide some of the most favorable terms and benefits of all the government-insured loans. It’s relatively easy for veterans and service members to qualify, as long as they have a Certificate of Eligibility.

You do not need to obtain your COE before you contact your lender, as your loan officer can help you do this. If you are a current or past service member who would like to purchase a home, contact a VA-approved lender to learn more.