How to Get a VA Loan Certificate of Eligibility

How to Get a VA Loan Certificate of Eligibility: Veterans and service members can apply for a VA Loan Certificate of Eligibility (COE) to prove to lenders that they qualify for a VA-backed loan.

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If you’re a Veteran, Reservist, or National Guard member, you may be eligible to get a VA home loan. But first, you’ll need a VA certificate of eligibility (COE). This certificate is proof that you meet the VA’s service and credit requirements for a home loan.

There are a few ways to get your COE. The Veterans Online Application (VONAPP) website is the fastest way to apply for your certificate. You can also apply by mail or in person at a local VA Regional Loan Center.

What is a VA loan certificate of eligibility?

A VA loan certificate of eligibility is a document that proves you are eligible for a VA loan. It is issued by the Department of Veterans Affairs (VA) and allows you to access advantageous interest rates and other benefits. You will need to provide this certificate when you apply for a VA loan.

To get a VA loan certificate of eligibility, you will need to fill out an application form and submit it to the VA. The VA will then review your application and determine whether or not you are eligible for a VA loan. If you are found to be eligible, the VA will issue you a certificate of eligibility.

There are several benefits to getting a VA loan certificate of eligibility. First, it allows you to access lower interest rates on your loan. Second, it may exempt you from paying certain fees, such as the Veterans Administration funding fee. Third, it can help streamline the process of applying for a VA loan.

If you think you may be eligible for a VA loan, we encourage you to start the application process by filling out an application form today.

How to get a VA loan certificate of eligibility

The Department of Veterans Affairs (VA) offers a home loan guaranty benefit and other housing-related programs to help qualifying veterans purchase, build, repair, retain, or adapt a home for their own personal occupancy. To be eligible for a VA-guaranteed home loan, you must have a certificate of eligibility from the VA.


The fastest and easiest way to get your VA Loan Certificate of Eligibility is to apply online at eBenefits. Once you’re logged in, under the “My Profile” tab, select “Certificates and Documents.” On the next page, select “Request New Certificate or Document” and then choose “VA Loan Certificate of Eligibility.”

If you don’t have an eBenefits account, you can create one here. You’ll need your Social Security number, date of birth and a few other personal details handy to complete the registration process.

By phone

You can get your Certificate of Eligibility (COE) by calling our Eligibility Center at 888-768-2132. You’ll need to provide some information, including:
-Your name, birth date, Social Security number, and mailing address
-Your service history, if you are a veteran
-Your spouse’s service history, if you are the surviving spouse of a veteran

If you have your DD Form 214 (Discharge Papers), or other discharge documents, please have them ready when you call.

By mail

If you want to apply by mail, you can fill out and return the VA’s Request for a Certificate of Eligibility (VA Form 26-1880). You should receive your certificate within a few weeks if you qualify.


The best way to get a VA loan certificate of eligibility is to work with a lender who specializes in VA loans. They will have the ability to help you navigate the process and ensure that you get the certificate in a timely manner.

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