Obtaining VA Home Loan Certificate Of Eligibility

Are you planning to buy a house using a VA loan? Do you want to know how to get a VA loan certificate of eligibility (COE)? A COE is a critical document that proves your eligibility to participate in the VA home loan program. This certificate verifies the VA’s commitment to repay a specific portion of the home loan if you default on your payments. In this blog post, we’ll explain everything that you need to know about getting a VA loan certificate of eligibility.

Where to Apply for a VA Loan Certificate of Eligibility


The first step is to get in touch with the VA to find out if you are eligible for a VA home loan. You can visit the VA’s eligibility website and apply online or your local VA office. If you have an existing VA loan, you may not have to apply for a new COE as the VA may have your information in its system.

How much time does it take to receive a certificate?

After verifying your eligibility, you can apply for a COE. There are several ways to apply, including online, through the mail, or by phone. The easiest and fastest way to apply is through the VA’s eBenefits portal.

You will need to provide your personal and military service information, including your discharge certificate (DD-214).

How Much Time Does Getting a VA Loan Take?

The processing time for a VA loan COE may vary depending on the application method and your eligibility status. The VA can take between one and six weeks to review and process your application if you apply through mail, phone, or fax. However, if you apply through the eBenefits portal, the process may only take a few minutes.

Exceptions to the COE Requirement

You may not need a COE in certain circumstances. For example, if you are a surviving veteran’s spouse who died while serving their country, you may be eligible for VA home loan benefits. However, you may need to provide the VA with an application form and evidence to support your case.

Verifying Your VA Loan Certificate of Eligibility

Once you receive your VA loan COE, you must verify that the information on the certificate is correct. If you find any errors, contact the VA immediately to request corrections.


The VA loan program is an excellent benefit for eligible veterans and service members who want to buy a home. You’ll need to obtain a COE to get a VA loan, proving your program eligibility. This certificate is an essential document that verifies the VA’s commitment to repay a specific portion of the home loan if you default on your payments. Following the steps in this blog post, you can apply for and obtain your VA loan COE, ensuring you can take advantage of this valuable program.

Iqra Javed
Iqra Javed
Iqra Javed is professional article writer since 2017. She has ability to write on different types of niches. Click on Facebook Profile to Contact.
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