How to Get a VA Loan Certificate of Eligibility

How to Get a VA Loan Certificate of Eligibility? A VA loan is a type of mortgage loan offered by the Department of Veterans Affairs (VA) to eligible veterans and their families. To qualify for a VA loan, you must have a Certificate of Eligibility (COE) from the VA. A COE verifies your eligibility for a VA loan and tells your lender how much of your loan entitlement you have remaining.

How to Get a VA Loan Certificate of Eligibility

How to Get a VA Loan Certificate of Eligibility – Who is Eligible for a VA Loan COE?

To be eligible for a VA loan COE, you must meet the following requirements:

  • Be a veteran who served at least 90 days on active duty during wartime or 181 days during peacetime.
  • Be a current service member who has served at least 90 days on active duty.
  • Be a member of the National Guard or Reserves who has served at least 6 years and has been activated for at least 180 days, or who has served at least 90 days during wartime.
  • Be the surviving spouse of a veteran who died while on active duty or from service-connected disabilities.

How to Get a VA Loan Certificate of Eligibility – How to Apply

There are three ways to apply for a VA loan COE:

  • Online: You can apply for a COE online through the VA’s website.
  • By Mail: You can mail a completed VA Form 26-1880 to the VA regional loan center for your state.
  • Through Your Lender: Some lenders can request a COE on your behalf.

How to Get a VA Loan Certificate of Eligibility – What to Include in Your Application

Your application for a VA loan COE must include the following information:

  • Your name and contact information
  • Your military service information, including your dates of service, branch of service, and service number
  • A copy of your DD-214 or other discharge form
  • Your spouse’s information, if applicable

How to Get a VA Loan Certificate of Eligibility – How Long Does it Take to Process an Application?

It typically takes 2-3 weeks to process an application for a VA loan COE. If the VA needs more information from you, it may take longer.

What is the Difference Between an Automatic COE and a Manual COE?

An automatic COE is issued immediately if the VA has all of the information it needs to verify your eligibility. A manual COE is issued if the VA needs more information from you.

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How to Get a VA Loan Certificate of Eligibility – How Long is a VA Loan COE Valid?

A VA loan COE is valid for one year from the date of issue.

How to Get a VA Loan Certificate of Eligibility – What Happens if I Lose My VA Loan COE?

If you lose your VA loan COE, you can request a replacement copy online, by mail, or through your lender.

Tips for Getting a VA Loan COE

Here are a few tips for getting a VA loan COE:

  • Start the application process as early as possible.
  • Gather all of your required documents before you start the application.
  • Be accurate and complete when filling out your application.
  • Respond promptly to any requests for additional information from the VA.

Conclusion

You can obtain a VA loan COE easily by completing the process online, by mail, or through your lender. With a little planning and preparation, you can have your COE in hand and be on your way to buying a home with a VA loan.

Rabia Tanveer
Rabia Tanveer
Rabia Tanveer is a graduate from Kinnaird College for Women and holds a Bachelors in English Literature. She is a seasoned freelance writer with more than a decade of experience in multiple niches.
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