How To Obtain A Va Home Loan Certificate Of Eligibility

Nov 11, 2023 By Susan Kelly

Veterans and active-duty service members can benefit greatly from the VA home loan program due to its many features, such as no down payment requirements, low-interest rates, and lenient credit restrictions. how to get a va certificate of eligibility for a home loan A Certificate of Eligibility (COE) is required before applying for a VA home loan to verify your eligibility for the program. The Certificate of Eligibility (COE) is a must-have for qualifying for a VA-backed mortgage loan. To those unfamiliar with the process, the steps involved in acquiring a COE may seem daunting. For this reason, this post will explain how to apply for a Certificate of Eligibility for a VA mortgage loan. We'll go through what you'll need to qualify for a loan, how to file for a Certificate of Eligibility (COE), and any other requirements that may apply to a VA jumbo loan or a Native American Direct Loan.

The various advantages of the VA home loan program can be yours if you follow the procedures mentioned in this article and acquire your COE. For those who have served in the military or are currently serving, a VA-backed mortgage can help make the American dream of homeownership within reach. Let's get down to brass tacks and discuss the steps necessary to acquire a VA Loan Certificate of Eligibility.

Check Your Eligibility

Eligibility for the VA loan program is a prerequisite for applying for a Certificate of Eligibility. Veterans and active-duty service members who meet the following requirements are typically accepted:

  • accomplished both (a) 90 days of constant active service during war or (b) 181 days on active military during peacetime
  • serve in the National Guard or Reserves for more than six years
  • are the surviving spouse of service members who died while serving or who became disabled while serving.
  • You can check your eligibility with the VA if you have doubts about whether or not you fit the standards.

Request A Coe

After passing the eligibility check, the next step is to apply for a Certificate of Eligibility. Three methods exist for requesting a Certificate of Eligibility:

Online Using The Ebenefits Administration Portal

The VA's eBenefits platform is the most hassle-free option for requesting a COE. You can apply for a Certificate of Eligibility (COE) online by making an account and then following the on-screen instructions. With the portal, you can get your COE instantly.

Through A Lender Approved By The VA

The use of a VA-approved lender is another option for obtaining a COE. The lender is responsible for determining your qualifications and securing the COE.

By Mail

VA Form 26-1880, "Request for something like a Certificate of Eligibility," can be downloaded here and mailed in. There are certain details we'll need from you:

  • Please provide your complete name, SSN, and birth date.
  • Your military record, including your enlistment and separation dates and your discharge reason
  • Where you're at and how to reach you right now
  • Exactly how much you're hoping to borrow

Wait for your Certificate of Eligibility

It would be best if you waited for the VA to process your COE application after submitting it. Your COE application may be processed instantly if submitted through the eBenefits site. If you choose to apply by mail, you'll have to wait for the VA to finish your paperwork and issue you the COE.

Extra Criteria For Specific Loan Types

Different standards must be met to qualify for a VA jumbo loan or a Native American Direct Loan (NADL).

VA Jumbo Loan

VA jumbo loans are home loans that are larger than the VA loan maximum. To be eligible for a VA jumbo loan, you must meet the following standards:

  • Get a score of 640 or higher on the FICO
  • Put down a minimum of 25% of the home's buying price (or the amount by which the loan limit exceeds the price of the home).
  • The borrower must demonstrate that they satisfy the lender's minimum income and

Direct Loan to Native Americans (NADL)

Veterans of Native American descent who live on Federal Trust Land can apply for a loan under the Native American Direct Loan (NADL) program, which provides funding for property purchases, construction, and improvements. The following criteria must be met to receive a NADL:

  • Proof of eligibility documents must be current.
  • Get the lender-required income and credit score; Fulfill the NADL program's additional qualifying requirements.


To qualify for a VA mortgage loan, a borrower must first get a Certificate of Eligibility (COE). Lenders will not give you a VA-backed mortgage without this document verifying your eligibility for the VA home loan program. Getting a COE may seem like a complicated procedure, but if you follow the steps in this article, you'll have your COE in no time. Always check your service record to see if you qualify for the COE and apply correctly, including being aware of any other prerequisites that might apply. You can take advantage of the VA home loan program's many perks and get closer to being a homeowner once you have your Certificate of Eligibility (COE).

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