To request a COE by mail, fill out a Request for a Certificate of Eligibility (VA Form 26-1880).

VA Home Loan Certificate of Eligibility (COE) 2023

A VA home loan Certificate of Eligibility (COE) is a document that proves your eligibility for a VA home loan. It shows lenders that you have met the VA’s eligibility requirements, such as having served in the military and having a good credit history.

To get a COE, you can either request it online through the VA’s website or through your lender. If you request it online, you will need to provide some basic information about yourself, such as your name, date of birth, and military service dates. You will also need to provide your Social Security number.

Once you have requested a COE, the VA will typically process your request within a few days. If you are approved, you will receive a COE by email or in the mail.

The COE will show the following information:

  • Your name
  • Your Social Security number
  • Your date of birth
  • Your military service dates
  • Your VA loan entitlement amount

The VA loan entitlement amount is the maximum amount of money that you can borrow for a VA home loan. The amount of your entitlement will depend on your military service.

Once you have a COE, you can start shopping for a VA home loan. When you find a lender, they will use your COE to determine how much you can borrow and what your interest rate will be.

How to Request a VA Home Loan Certificate of Eligibility

There are two ways to request a VA home loan Certificate of Eligibility (COE):

Online

  1. Go to the VA’s website.
  2. Click on the “Home Loans” tab.
  3. Click on the “Certificate of Eligibility” link.
  4. Follow the instructions to complete the online application.

By mail

  1. Fill out a Request for a Certificate of Eligibility (VA Form 26-1880).
  2. Mail the form to the address for your regional loan center.
  3. You can find the address on the last page of the form.

Eligibility Requirements for a VA Home Loan

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

  • You must be a veteran or a service member who is on active duty or in the Reserves or National Guard.
  • You must have served on active duty for at least 90 days, or for at least 180 days during wartime.
  • You must have a good credit history.

Conclusion

A VA home loan Certificate of Eligibility (COE) is an important document if you are considering buying a home with a VA loan. It proves your eligibility for a VA home loan and shows lenders how much you can borrow. You can request a COE online or through the mail.

If you are a veteran or a service member who is thinking about buying a home, I encourage you to get a COE. It is a free and easy way to see if you are eligible for a VA home loan.

FAQs:

What is a VA home loan Certificate of Eligibility (COE)?

A VA home loan Certificate of Eligibility (COE) is a document that proves your eligibility for a VA home loan. It shows lenders that you have met the VA’s eligibility requirements, such as having served in the military and having a good credit history.

How do I get a VA home loan Certificate of Eligibility (COE)?

There are two ways to request a VA home loan Certificate of Eligibility (COE):

Online: You can request a COE online through the VA’s website. To do this, you will need to provide some basic information about yourself, such as your name, date of birth, and military service dates. You will also need to provide your Social Security number.
By mail: You can also request a COE by mail. To do this, you will need to fill out a Request for a Certificate of Eligibility (VA Form 26-1880) and mail it to the address for your regional loan center. You can find the address on the last page of the form.

How long does it take to get a VA home loan Certificate of Eligibility (COE)?

The VA typically processes requests for COEs within a few days. However, it may take longer if you need to provide additional information.

What do I do with my VA home loan Certificate of Eligibility (COE)?

Once you have received your VA home loan Certificate of Eligibility (COE), you will need to provide it to your lender when you apply for a VA home loan. Your lender will use your COE to determine how much you can borrow and what your interest rate will be.

What if I lose my VA home loan Certificate of Eligibility (COE)?

If you lose your VA home loan Certificate of Eligibility (COE), you can request a new one online or through the mail.