How To Request A VA Home Loan Certificate Of Eligibility (COE)

<!DOCTYPE html><html lang="en"><head> <meta charset="utf-8"> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <meta name="HandheldFriendly" content="True"> <meta name="MobileOptimized" content="320"> <meta name="viewport" content="width=device-width, initial-scale=1.0">  <link rel="preconnect" href="https://www.googletagmanager.com">    <link rel="canonical" href="https://www.va.gov/housing-assistance/home-loans/how-to-request-coe/">  <meta name="DC.Date" scheme="W3CDTF" content="2024-12-19">     <meta property="og:url" content="https://www.va.gov/housing-assistance/home-loans/how-to-request-coe/">  <meta property="og:type" content="website">   <meta name="description" content="Learn how to request a VA home loan Certificate of Eligibility (COE). This is the first step in getting a VA-backed home loan or Native American Direct Loan. It confirms for your lender that you qualify for the VA home loan benefit. 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href="https://www.benefits.va.gov/HOMELOANS/documents/docs/va_policy_regarding_natural_disasters.pdf" id="755c7b68f9acc9dfb1f5ffec153c3faf">Guidance on natural disasters</a> </li> </ul> </div> </nav> <div class="usa-width-three-fourths"> <div class="va-btn-sidebarnav-trigger" id="sidebar-nav-trigger">  <div class="button-background"></div> <div class="button-wrapper"> <button aria-controls="va-detailpage-sidebar"> <strong>In this section</strong> <va-icon icon="menu" size="3" class="vads-u-color--link-default"></va-icon> </button> </div> </div> <div class="trigger-placeholder"></div> <script nonce="PZKEZkB1jCYqDmmSLRMlf8NhOhd2w5Se" type="text/javascript"> var mobileMediaQuery = window.matchMedia('(max-width: 767px)') var navTrigger = document.getElementsByClassName('va-btn-sidebarnav-trigger')[0] var buttonWrapper = document.querySelector( '.va-btn-sidebarnav-trigger .button-wrapper' ) var buttonBackground = document.querySelector( '.va-btn-sidebarnav-trigger .button-background' ) var 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This simple hack // ensures that the height is not computed until the next run of the event // loop setTimeout(() => { navTriggerPlaceholder.style.height = getButtonHeight(true) + 'px' buttonBackground.style.height = getButtonHeight(false) + 'px' }, 0) } function setMenuTriggerPosition() { navTriggerPosition = navTriggerPlaceholder.offsetTop } function pinTrigger() { if (mobileMediaQuery.matches) { if (navTriggerPosition < window.pageYOffset) { navTrigger.classList.add('fixed-trigger') } else { navTrigger.classList.remove('fixed-trigger') } } } // As the document loads, make sure the height and trigger positions are // updated document.onreadystatechange = () => { setElementHeights() setMenuTriggerPosition() } window.addEventListener( 'resize', () => { // The height of the trigger can change at extreme browser widths setElementHeights() // The trigger can be pushed up/down as elements above it change height as // the browser width changes setMenuTriggerPosition() // We might need to pin/unpin the trigger if we transitions from/to mobile // browser widths pinTrigger() }, false ) window.addEventListener( 'scroll', () => { // We are resetting the trigger button's position on scroll just in case any // elements have been removed from above the menu trigger, such as a // dismissible alert. setMenuTriggerPosition() // Primarily scrolling will pin/unpin the trigger from the top of the // viewport pinTrigger() }, false ) </script> <article class="usa-content vads-u-padding-bottom--0"> <div data-widget-type="i18-select"></div> <h1>How to request a VA home loan Certificate of Eligibility (COE)</h1> <div class="va-introtext"> <p>Learn how to request a VA home loan Certificate of Eligibility (COE). This is the first step in getting a VA-backed home loan or Native American Direct Loan. It confirms for your lender that you qualify for the VA home loan benefit. Then, choose your loan type and learn about the rest of the loan application process.</p> </div> <script type="application/ld+json" nonce="PZKEZkB1jCYqDmmSLRMlf8NhOhd2w5Se"> { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "How do I prepare before I start a COE request?", "acceptedAnswer": { "@type": "Answer", "text": "" } } ] } </script> <div data-template="paragraphs/q_a_section" data-entity-id="4988"> <div data-template="paragraphs/q_a" data-entity-id="4987" data-analytics-faq-section data-analytics-faq-text="How do I prepare before I start a COE request?"> <div id="4987"> <div class="vads-u-display--flex"> <h2 id="how-do-i-prepare-before-i-star"> How do I prepare before I start a COE request? </h2> </div> <div data-entity-id="4987"> <div data-template="paragraphs/wysiwyg" data-entity-id="4989"> <div itemprop="text"> <p>Gather the information you’ll need to request a COE. Select the description here that matches you best to find out what you’ll need.</p> </div> </div> <div data-template="paragraphs/collapsible_panel" data-entity-id="4990" data-multiselectable="false"> <va-accordion uswds> <va-accordion-item class="va-accordion-item" id="veteran-4991"> <h3 slot="headline"> Veteran </h3> <div id="4991" data-template="paragraphs/collapsible_panel__panel" data-entity-id="4991" data-analytics-faq-text="Veteran"> <div id="collapsible_panel_item-4991"> <div data-template="paragraphs/wysiwyg" data-entity-id="4991"> <div itemprop="text"> <p><strong>If you’re a Veteran,</strong> you’ll need a copy of your discharge or separation papers (DD214).</p> </div> </div> </div> </div> </va-accordion-item> <va-accordion-item class="va-accordion-item" id="service-member-4992"> <h3 slot="headline"> Service member </h3> <div id="4992" data-template="paragraphs/collapsible_panel__panel" data-entity-id="4992" data-analytics-faq-text="Service member"> <div id="collapsible_panel_item-4992"> <div data-template="paragraphs/wysiwyg" data-entity-id="4992"> <div itemprop="text"> <p><strong>If you’re an active-duty service member,</strong> you’ll need a statement of service—signed by your commander, adjutant, or personnel officer—showing this information:</p><ul><li>Your full name</li><li>Your Social Security number</li><li>Your date of birth</li><li>The date you entered duty</li><li>The duration of any lost time</li><li>The name of the command providing the information</li></ul> </div> </div> </div> </div> </va-accordion-item> <va-accordion-item class="va-accordion-item" id="current-or-former-activated-national-guard-member-4993"> <h3 slot="headline"> Current or former activated National Guard member </h3> <div id="4993" data-template="paragraphs/collapsible_panel__panel" data-entity-id="4993" data-analytics-faq-text="Current or former activated National Guard member"> <div id="collapsible_panel_item-4993"> <div data-template="paragraphs/wysiwyg" data-entity-id="4993"> <div itemprop="text"> <p><strong>If you’re a current or former activated National Guard member, </strong>you’ll need a copy of your DD214 or other discharge documents.</p><p><strong>If you’re a current or former activated National Guard member with at least 90 days of active-duty service including at least 30 consecutive days,</strong> you’ll need a copy of 1 of these documents that shows your activation date:</p><ul><li>Your DD214 that shows 32 USC sections 316, 502, 503, 504, or 505 activation, <strong>or</strong></li><li>An annual point statement, <strong>or</strong></li><li>Your DD220 with accompanying orders</li></ul> </div> </div> </div> </div> </va-accordion-item> <va-accordion-item class="va-accordion-item" id="current-or-former-activated-reserve-member-100602"> <h3 slot="headline"> Current or former activated Reserve member </h3> <div id="100602" data-template="paragraphs/collapsible_panel__panel" data-entity-id="100602" data-analytics-faq-text="Current or former activated Reserve member"> <div id="collapsible_panel_item-100602"> <div data-template="paragraphs/wysiwyg" data-entity-id="100602"> <div itemprop="text"> <p><strong>If you’re a current or former activated Reserve member, </strong>you’ll need a copy of your DD214 or other discharge documents.</p> </div> </div> </div> </div> </va-accordion-item> <va-accordion-item class="va-accordion-item" id="current-member-of-the-national-guard-or-reserve-who-has-neve-4994"> <h3 slot="headline"> Current member of the National Guard or Reserve who has never been activated </h3> <div id="4994" data-template="paragraphs/collapsible_panel__panel" data-entity-id="4994" data-analytics-faq-text="Current member of the National Guard or Reserve who has never been activated"> <div id="collapsible_panel_item-4994"> <div data-template="paragraphs/wysiwyg" data-entity-id="4994"> <div itemprop="text"> <p><strong>If you’re a current member of the National Guard or Reserve and have never been activated,</strong> you’ll need a statement of service—signed by your commander, adjutant, or personnel officer—showing this information:</p><ul><li>Your full name</li><li>Your Social Security number</li><li>Your date of birth</li><li>The date you entered duty</li><li>Your total number of creditable years of service</li><li>The duration of any lost time</li><li>The name of the command providing the information</li></ul> </div> </div> </div> </div> </va-accordion-item> <va-accordion-item class="va-accordion-item" id="discharged-member-of-the-national-guard-who-was-never-activa-4995"> <h3 slot="headline"> Discharged member of the National Guard who was never activated </h3> <div id="4995" data-template="paragraphs/collapsible_panel__panel" data-entity-id="4995" data-analytics-faq-text="Discharged member of the National Guard who was never activated"> <div id="collapsible_panel_item-4995"> <div data-template="paragraphs/wysiwyg" data-entity-id="4995"> <div itemprop="text"> <p><strong>If you’re a discharged member of the National Guard and were never activated,</strong> you’ll need this information:</p><ul><li>Your Report of Separation and Record of Service (NGB Form 22) for each period of National Guard service, <strong>and</strong></li><li>Your Retirement Points Statement (NGB Form 23) and proof of the character of service</li></ul> </div> </div> </div> </div> </va-accordion-item> <va-accordion-item class="va-accordion-item" id="discharged-member-of-the-reserve-who-was-never-activated-4996"> <h3 slot="headline"> Discharged member of the Reserve who was never activated </h3> <div id="4996" data-template="paragraphs/collapsible_panel__panel" data-entity-id="4996" data-analytics-faq-text="Discharged member of the Reserve who was never activated"> <div id="collapsible_panel_item-4996"> <div data-template="paragraphs/wysiwyg" data-entity-id="4996"> <div itemprop="text"> <p><strong>If you’re a discharged member of the Reserve and were never activated,</strong> you’ll need:</p><ul><li>A copy of your latest annual retirement points, <strong>and</strong></li><li>Proof of your honorable service</li></ul> </div> </div> </div> </div> </va-accordion-item> <va-accordion-item class="va-accordion-item" id="surviving-spouse-of-a-veteran-who-died-on-active-duty-or-who-4997"> <h3 slot="headline"> Surviving spouse of a Veteran who died on active duty or who had a service-connected disability </h3> <div id="4997" data-template="paragraphs/collapsible_panel__panel" data-entity-id="4997" data-analytics-faq-text="Surviving spouse of a Veteran who died on active duty or who had a service-connected disability"> <div id="collapsible_panel_item-4997"> <div data-template="paragraphs/wysiwyg" data-entity-id="4997"> <div itemprop="text"> <p><strong>If you’re a surviving spouse</strong> who qualifies for home loan benefits, you’ll need the Veteran’s discharge documents (DD214)—if available—and:</p><p><strong>If you’re receiving Dependency & Indemnity Compensation (DIC),</strong> you’ll need to fill out and send us a Request for Determination of Loan Guaranty Eligibility—Unmarried Surviving Spouses (VA Form 26-1817).</p><p><a href="/find-forms/about-form-26-1817" data-entity-type="node" data-entity-uuid="925a1c05-c200-4abb-af75-32f3af25f1ef" data-entity-substitution="canonical" title="About VA Form 26-1817">Get VA Form 26-1817 to download</a></p><p><strong>Or</strong></p><p><strong>If you’re not receiving DIC benefits,</strong> you’ll need to send us all of these:</p><ul><li>A completed Application for DIC, Death Pension and/or Accrued Benefits (VA Form 21P-534EZ), <strong>and</strong></li><li>A copy of your marriage license, <strong>and</strong></li><li>The Veteran’s death certificate</li></ul><p><a href="/find-forms/about-form-21p-534ez" data-entity-type="node" data-entity-uuid="3c37a3e1-65d5-4add-b46b-a6c0f522e276" data-entity-substitution="canonical" title="About VA Form 21P-534EZ">Get VA Form 21P-534EZ to download</a><br><a href="/housing-assistance/home-loans/eligibility" data-entity-type="node" data-entity-uuid="93a096d5-1c1a-4248-bad0-816a22fd13c3" data-entity-substitution="canonical" title="Eligibility for VA home loan programs">Find out if you qualify for home loan benefits</a><br><a href="https://www.archives.gov/veterans/military-service-records/" target="_blank">Get military service records online</a></p> </div> </div> </div> </div> </va-accordion-item> </va-accordion> </div> <div data-template="paragraphs/wysiwyg" data-entity-id="4998"> <div itemprop="text"> <p><a href="/family-and-caregiver-benefits/housing-assistance/surviving-spouse-home-loan" data-entity-type="node" data-entity-uuid="93b3819f-f40e-4cf0-89ea-5638434b8599" data-entity-substitution="canonical" title="Home loans for surviving spouses">Find out how to request a COE as a surviving spouse</a></p> </div> </div> </div> </div> </div> </div> <div data-template="paragraphs/wysiwyg" data-entity-id="116909"> <div itemprop="text"> <h2 id="how-do-i-request-a-coe">How do I request a COE?</h2><p>You can request a COE in any of these 3 ways.</p><h3 id="option-1-online">Option 1: Online</h3><p><a class="vads-c-action-link--green" href="https://www.va.gov/housing-assistance/home-loans/request-coe-form-26-1880">Request a COE</a></p> </div> </div> <div data-template="paragraphs/wysiwyg" data-entity-id="116910"> <div itemprop="text"> <h3 id="option-2-through-your-lender">Option 2: Through your lender</h3><p>Your lender may be able to use an online system (called Web LGY) to get your COE. Ask your lender about this option.</p><h3 id="option-3-by-mail">Option 3: By mail</h3><p>To request a COE by mail, 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. Please note that mail requests may take longer than requesting a COE online or through your lender.</p><p><a href="/find-forms/about-form-26-1880" data-entity-type="node" data-entity-uuid="e93e79cd-4ce5-46e0-821a-cb09ac146fa8" data-entity-substitution="canonical" title="About VA Form 26-1880">Get VA Form 26-1880 to download</a></p> </div> </div> <div data-template="paragraphs/wysiwyg" data-entity-id="5001"> <div itemprop="text"> <h2 id="what-happens-after-i-request-a">What happens after I request a COE?</h2><p>We’ll review your request and tell you our decision. You can check the status of your request online.</p><p><a href="/housing-assistance/home-loans/check-coe-status" data-entity-type="node" data-entity-uuid="cb745b8c-d52e-4be2-9443-eb04c1738998" data-entity-substitution="canonical" title="Check the status of your VA home loan COE">Learn how to check the status of your home loan COE</a></p><h3 id="next-steps-for-getting-a-va-di">Next steps for getting a VA direct or VA-backed home loan</h3><p>Requesting a COE is only part of the process for getting a VA direct or VA-backed home loan. Your next steps will depend on the type of loan and the lender. (For most loans, the lender is a private bank or mortgage company. For the Native American Direct Loan, we’re the lender).</p><p>The lender will request a VA appraisal (assessment) of the house. An appraisal estimates the house’s market value at the time of inspection. An appraisal isn’t a home inspection or a guaranty of value. </p><p>The lender will review the appraisal and your credit and income information. If they decide to accept your application, they’ll work with you to select a title company (or other entity) to close (transfer ownership) on the house.</p> </div> </div> <script type="application/ld+json" nonce="PZKEZkB1jCYqDmmSLRMlf8NhOhd2w5Se"> { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "What if I have questions about the loan process?", "acceptedAnswer": { "@type": "Answer", "text": "" } } ] } </script> <div data-template="paragraphs/q_a_section" data-entity-id="5003"> <div data-template="paragraphs/q_a" data-entity-id="5002" data-analytics-faq-section data-analytics-faq-text="What if I have questions about the loan process?"> <div id="5002"> <div class="vads-u-display--flex"> <h2 id="what-if-i-have-questions-about"> What if I have questions about the loan process? </h2> </div> <div data-entity-id="5002"> <div data-template="paragraphs/wysiwyg" data-entity-id="5004"> <div itemprop="text"> <p>If you have any questions that your lender can’t answer, you can call us at <a href="tel:+18778273702" aria-label="8 7 7. 8 2 7. 3 7 0 2.">877-827-3702</a> (<a href="tel:711" aria-label="TTY. 7 1 1.">TTY: 711</a>) to talk to a VA home loan representative. We’re here Monday through Friday, 8:00 a.m. to 6:00 p.m. ET.</p><p>You can also contact your regional loan center directly.</p><p><a href="https://www.benefits.va.gov/homeloans/contact_rlc_info.asp">Find your regional loan center</a></p><p><a href="https://www.youtube.com/watch?v=h3gR_BmMP7A">Play a video about VA home loans and how to apply (YouTube)</a> </p> </div> </div> </div> </div> </div> </div> <div class="row"> <div class="usa-content"> <aside class="va-nav-linkslist va-nav-linkslist--related"> <section data-template="paragraphs/list_of_link_teasers" data-entity-id="4982" class="field_related_links"> <h2 id="loan-options" class="va-nav-linkslist-heading" tabindex="-1"> Loan options </h2> <ul class="va-nav-linkslist-list"> <li data-template="paragraphs/linkTeaser" data-entity-id="4983" data-links-list-header="Purchase loan" data-links-list-section-header="Loan options"> <h3 class="va-nav-linkslist-title vads-u-font-size--h4" id> <va-link href="/housing-assistance/home-loans/loan-types/purchase-loan" text="Purchase loan"> </va-link></h3> <p class="va-nav-linkslist-description">Find out how to get a VA-backed purchase loan to buy a home.</p> </li> <li data-template="paragraphs/linkTeaser" data-entity-id="4985" data-links-list-header="Interest Rate Reduction Refinance Loan (IRRRL)" data-links-list-section-header="Loan options"> <h3 class="va-nav-linkslist-title vads-u-font-size--h4" id="-1"> <va-link href="/housing-assistance/home-loans/loan-types/interest-rate-reduction-loan" text="Interest Rate Reduction Refinance Loan (IRRRL)"> </va-link></h3> <p class="va-nav-linkslist-description">Find out how to get an IRRRL loan to refinance an existing loan.</p> </li> <li data-template="paragraphs/linkTeaser" data-entity-id="4986" data-links-list-header="Cash-out refinance loan" data-links-list-section-header="Loan options"> <h3 class="va-nav-linkslist-title vads-u-font-size--h4" id="-2"> <va-link href="/housing-assistance/home-loans/loan-types/cash-out-loan" text="Cash-out refinance loan"> </va-link></h3> <p class="va-nav-linkslist-description">Learn how to get cash from your home equity to pay off debts, pay for school, or take care of other needs.</p> </li> <li data-template="paragraphs/linkTeaser" data-entity-id="4984" data-links-list-header="Native American Direct Loan (NADL)" data-links-list-section-header="Loan options"> <h3 class="va-nav-linkslist-title vads-u-font-size--h4" id="-3"> <va-link href="/housing-assistance/home-loans/loan-types/native-american-direct-loan" text="Native American Direct Loan (NADL)"> </va-link></h3> <p class="va-nav-linkslist-description">Find out if you can get a NADL loan to buy, build, or improve a home on federal trust land.</p> </li> </ul> </section> </aside> </div> </div> <va-back-to-top></va-back-to-top>  <div class="last-updated usa-content vads-u-padding-x--1 desktop-lg:vads-u-padding-x--0"> <div class="mobile-lg:vads-u-display--flex above-footer-elements-container"> <div class="vads-u-flex--auto"> <span class="vads-u-text-align--justify"> <p>Last updated: <time datetime="2024-12-19">December 19, 2024</time></p> </span> </div> <div class="vads-u-flex--1 vads-u-text-align--right"> <span class="vads-u-text-align--right"> <button type="button" class="feedback-button usa-button" id="mdFormButton" aria-label="give feedback"> Feedback </button> </span> </div> </div> </div> </article> </div> </div></main> </div> </div>   <footer class="footer"> <div id="footerNav" data-minimal-footer="false"></div> </footer> <div id="logout-modal-root"></div>  <script nonce="PZKEZkB1jCYqDmmSLRMlf8NhOhd2w5Se" type="text/javascript"> (function() { var module = {}; 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How To Request A VA Home Loan Certificate Of Eligibility (COE) | Veterans Affairs