If you’re looking to purchase a home or refinance an existing mortgage and would like to use your VA home loan benefit, the first step in the mortgage process is to request a copy of your Certificate of Eligibility (COE). A Certificate of Eligibility is a document that proves a potential buyer has met the VA service requirement and is eligible to qualify for a VA Home Loan.

You can obtain a copy of your Certificate of Eligibility in one of three ways:

Apply Online – You can access your COE on your eBenefits portal. Visit the eBenefits Gateway to learn more.

Apply Through Your Lender – The easiest way to get your VA Home Loan Certificate of Eligibility (COE) is to have your VA lender request a copy for you. Approved VA Lenders, like HomeVantage, have access to a web-based program and can establish eligibility and issue an online COE with a few clicks of the mouse. Apply for a VA loan to get started. .

Apply by Mail – You can obtain your COE by making a written request directly to the Department of Veterans Affairs Regional Loan Center servicing your area. For a full list of Regional Loan Centers, you can visit the U.S. Department of Veterans Affairs.

Applying for your Certificate of Eligibility is only one step in applying for a VA home loan. You’ll still need to complete an online application and work directly with your Mortgage Banker to meet the income, credit, debt and residual income requirements for your loan.

Looking for additional information about VA Home Loans? We’ve got you covered.