VA Housing Loan Certification Of Eligibility: How to Request For VA COE

Confused about VA housing loan certification of eligibility? This comprehensive guide breaks down the process, requirements, and benefits to help you secure your dream home. Don’t miss out on your VA loan benefits!

Are you a veteran, service member, or surviving spouse looking to secure a home loan through the VA program? If so, you’ve likely come across the term “Certificate of Eligibility” or COE. But what exactly is this COE, and how can you obtain it? Fear not, for we’re here to demystify the VA Housing Loan Certification of Eligibility and provide you with practical solutions to navigate this essential step in your home-buying journey.

So, what is the VA Housing Loan Certification of Eligibility, and why is it so important? Let’s dive in!

Understanding VA Housing Loan Certification of Eligibility

The VA Housing Loan Certification of Eligibility, or COE, is a crucial document issued by the U.S. Department of Veterans Affairs that serves as the first step in securing a VA home loan. In a nutshell, it confirms your eligibility for the VA loan program. The COE is your golden ticket to enjoying the numerous benefits and advantages of VA loans, such as competitive interest rates, no down payment, and no private mortgage insurance (PMI) requirement.

Why Is the COE Important?

The COE is not just a piece of paper; it’s your key to unlocking the doors of homeownership. Here’s why it’s vital:

  • Proof of Eligibility: The COE demonstrates that you meet the necessary requirements to access VA loan benefits, ensuring you’re on the right track from the start.
  • Streamlined Approval: Having a COE simplifies the loan application process. Lenders can confidently approve your loan application, knowing that you’re eligible.
  • Financial Benefits: VA loans are known for their attractive terms, including lower interest rates and zero or low down payments. With a COE, you can access these financial perks.
  • No PMI: Unlike conventional loans, VA loans don’t require private mortgage insurance (PMI), which can save you a significant amount over the life of your loan.
  • No Prepayment Penalty: VA loans offer the flexibility to pay off your mortgage early without incurring prepayment penalties. Your COE makes this possible.
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Now that we understand the importance of the COE, let’s move on to the practical steps to obtain it.

Obtaining Your VA Housing Loan COE

Getting your hands on a VA Housing Loan COE may seem like a daunting task, but it’s more straightforward than you might think. Below, we break down the methods to request your COE:

1. Online Application

  • Visit the VA’s official website: Head to the VA’s dedicated COE webpage (
  • Fill out the form: Complete the Request for a Certificate of Eligibility (VA Form 26-1880) online. This form collects essential information to determine your eligibility.
  • Submit the form: Follow the provided instructions to submit your application electronically. The online application process is quick and convenient.

2. Mail Application

  • Download the form: Visit the VA’s website and download VA Form 26-1880.
  • Fill out the form: Complete the form accurately, ensuring that all required information is included.
  • Mail the form: Send the completed form to the address specified for your regional VA office. The address will be provided on the form or the VA’s website.

3. Request via a VA-Approved Lender

  • Contact a VA-approved lender: Many lenders are well-versed in the VA loan process and can request your COE on your behalf.
  • Provide required documentation: The lender will guide you through the process and help you gather the necessary documents to prove your eligibility.
  • Let the lender handle it: Once you’ve provided all the required information, the lender will submit the request for your COE.

4. Request by Phone

  • Dial the VA’s hotline: If you need assistance or have questions about your eligibility, call 877-827-3702. TTY: 711. You can reach out Monday through Friday, 8:00 a.m. to 6:00 p.m. ET.
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As you can see, there are multiple avenues to obtain your VA Housing Loan COE, making it accessible for all eligible individuals. However, you might be wondering: What eligibility requirements must I meet to qualify for a VA loan and, subsequently, a COE?

VA Loan Eligibility Requirements

To ensure that you meet the criteria for a VA loan and, subsequently, a COE, consider the following eligibility requirements:

  • Completed Service: You must have completed at least 90 days of active duty service. In some cases, this requirement may differ, but this is the standard.
  • Service Length: Veterans with at least six years of service in the National Guard or Reserves may also be eligible for VA loans.
  • Discharge Status: Your discharge status must be other than dishonorable. Honorable, general under honorable conditions, and other specified conditions are typically acceptable.
  • Surviving Spouse: Surviving spouses of service members who died in the line of duty or as a result of a service-related disability may also be eligible for VA loans

Understanding VA Housing Loan Certification of Eligibility Categories

The specific category under which you qualify for a VA loan plays a significant role in determining the requirements and benefits associated with your loan. Let’s take a closer look at the eligibility categories:

  1. Veterans: Veterans who have completed a minimum period of active duty service, typically 90 days, are eligible for VA loans.
  2. Active-Duty Service Members: Active-duty service members are eligible after serving for a specific duration. Consult with the VA or your lender for the exact requirements.
  3. National Guard and Reservists: Members of the National Guard and Reservists are eligible after completing a certain number of years of service.
  4. Surviving Spouses: Spouses of deceased service members may also qualify for VA loans, provided they meet specific criteria.
  5. Service-Related Disabilities: In some cases, veterans with service-related disabilities may have additional eligibility or fee waivers.

Ensure you understand the category under which you qualify to make the application process as smooth as possible. If you have any doubts about your eligibility, reach out to the VA for clarification.

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FAQs: Answering Your VA Housing Loan COE Questions

Now, let’s address some common questions about VA Housing Loan Certification of Eligibility:

How long does it take to receive my COE after applying?

The processing time can vary, but online applications typically receive faster responses, often within minutes. Mailed applications may take a few weeks. If you apply through a VA-approved lender, they can expedite the process.

Can I use my COE multiple times?

Yes, your COE remains valid for the duration of your loan. You can use it for multiple VA loan applications as long as you meet the eligibility criteria.

What if I can’t find my COE or lose it?

Don’t worry! You can request a duplicate COE through the same methods outlined above.

Can I use my COE to refinance an existing mortgage with a VA loan?

Absolutely. Your COE can be used for both purchasing a new home and refinancing an existing mortgage with a VA loan.

Can I apply for a VA loan with less than six years of service?

While six years of service are often required for National Guard or Reserves, active-duty service members may become eligible with less service time. Specific situations and exceptions apply, so it’s best to consult the VA or a VA-approved lender for guidance.

Are there any credit score requirements for VA loans?

VA loans are known for being flexible with credit requirements. While there’s no strict minimum credit score, individual lenders may have their own criteria. It’s advisable to work on improving your credit score to secure the best terms.


In conclusion, the VA Housing Loan Certification of Eligibility is your gateway to homeownership, offering numerous benefits and financial advantages. Obtaining your COE is a straightforward process, whether you choose to apply online, by mail, through a VA-approved lender, or via phone.

Remember that meeting the VA’s eligibility criteria is essential, and once you have your COE, you can use it for multiple VA loan applications. Whether you’re a veteran, an active-duty service member, or a surviving spouse, the VA loan program is designed to make homeownership more accessible and affordable.

So, if you’ve been wondering how to secure your dream home with a VA loan, start by obtaining your VA Housing Loan COE. Don’t miss out on the benefits and financial advantages that come with it. Your journey to homeownership awaits!