To obtain a VA home loan, you must document your eligibility which is detailed in your Certificate of Eligibility (COE). VA home loans are available to active service members, veterans, and in some cases, surviving family members.
Borrowers must be eligible to use their VA benefits. The COE spells out the entitlement of the service member or veteran. You can check here for more information on entitlement.
Get Your Certificate of Eligibility
In order to proceed with a VA home loan, you will need to furnish your COE. In most cases, this is simple to do. If you do not have your COE, it may be faster and easier to have my team request for you through the VA’s automated system. We are happy to do that and often can do it quicker. You can get started with us today, just give us a call or Click here to find out more.
To obtain your Certificate of Eligibility (COE), go to the Veterans Information Portal at https://vip.vba.va.gov, sign in and click on the arrow next to your password field.
- Obtain your COE by double-clicking on the “Click Here” hyperlink found in the box labeled “My Home Loan Benefit Eligibility and Entitlement”
- You may print and view your COE. In cases where the COE shows zero basic entitlement, VA may have incomplete information about your benefits or you may need to request restoration of your entitlement. In this event,
Note: You will be required to upload a DD214 or a points statement to verify an active duty or Reserve/National Guard tour of service at a later stage in the process.
Apply by Mail
Use VA Form 26-1880. Return it to the address shown on the form. If you can’t print the form, call 1-888-244-6711 and follow the prompts for Eligibility. VA will mail the form to you.
If you need to obtain proof of military service, use Standard Form 180, Request Pertaining to Military Records. This request form is NOT processed by VA, but completed and mailed to the appropriate custodian of military service records. Instructions are provided on the back of the form.
If a lender tells you that you are pre-qualified for a VA home loan without obtaining your COE, run the other way. You do not want to work with a lender who makes this mistake. A lender cannot determine your VA loan eligibility without the COE. Therefore, they cannot offer you a VA home loan without it.
The COE will state if you are eligible for a VA home loan based on your service history. The COE does not guarantee that you qualify for a VA home loan. There is a big difference! You will still need to qualify for the loan based on VA mortgage guidelines.
The COE will also provide details including:
- The amount of VA home loan entitlement available
- Any exemptions for certain VA loan fees
- Outstanding VA loans and the status
- Your disability rating, if any
If your COE shows zero basic entitlement, the best course of action is to notify me and my team so we can assist you. It is possible to have your eligibility restored. However, it is very important that it is done correctly.
If you are considering a home purchase using your VA entitlement, take the first step today…give us a call or Click here to find out more.