How Do I prove to the Lender that I’m Eligible?

How Do I prove to the Lender that I’m Eligible?

You’ll need a Certificate of Eligibility (COE) before you can get a VA-backed loan.  This section shows how you can apply for one. 

Among categories A, B, and C below, find the one that matches your situation.

 

Category A:  Veterans, Active Duty, and Reservists/National Guard Members Who Have Served on Active Duty

You can get a Certificate of Eligibility (COE) in any of three ways:

  1. Apply online.  Go to the eBenefits portal  and click on the My eBenefits tab towards the top, on the left side.  It will open a screen with several benefit areas.  On the bottom right of the screen is the Housing tab.  You will need login credentials to request a Certificate of Eligibility (COE).  If you have them, enter your Username and Password, if you need to request login credentials, you can simply click on the "Request/Activate a DoD Self-Service Logon" link which is shown below the area where you logon.
  2. Apply through the lender.  In many cases, lenders can obtain a Certificate online in minutes.  Check the table below entitled, “Evidence Needed for the Certificate of Eligibility.”
  3. Apply by mail.  Use VA Form 26-1880.  Return it to the address shown on the form. If you can’t print the form, just call 1-888-768-2132 and follow the prompts for Eligibility.  We can mail it to you.

 

 

Category B:  Reservists/National Guard Members Who Have Never Served on Active Duty

You can get a Certificate of Eligibility (COE) in any of three ways:

  1. Apply online.  Go to the eBenefits portal and click on the My eBenefits tab towards the top, on the left side.  It will open a screen with several benefit areas.  On the bottom right of the screen is the Housing tab.  You will need login credentials to request a Certificate of Eligibility (COE).  If you have them, enter your Username and Password, if you need to request login credentials, you can simply click on the "Request/Activate a DoD Self-Service Logon" link which is shown below the area where you logon.
  2. Apply through the lender.  Your lender can submit your application online for you.  Check the table below entitled, “Evidence Needed for the Certificate of Eligibility.”
  3. Apply by mail.  Use VA Form 26-1880. If you can’t print the form, just call 1-888-768-2132 and follow the prompts for Eligibility.  We can mail it to you.

 

Category C:  Surviving Spouses of Veterans Who Died In Service or As a Result of Service

You must apply for the Certificate by mail.

If your veteran spouse died after service, VA must determine that the death was due to a service-connected disability.  Please allow 2-3 months for this process unless you know that the decision on service-connected death has already been made.

Apply using VA Form 26-1817.  If you can’t print the form, just call 1-888-768-2132 and follow the prompts for Eligibility.  We can mail it to you.

 

Send the completed form to:

VA Loan Eligibility Center

Attn: COE (262(

PO Box 100034

Decatur, GA 30031