What Is Certificate of Eligibility?

A certificate of eligibility (COE) is a government-issued document that indicates that you qualify for the Veterans Administration (VA) guaranteed loans for homes, mobile homes, and business. This applies to members of the armed forces who have served for a certain number of days and have been honorably discharged.

Even if you meet the requirements for a VA home loan, you still need to present a Certificate of Eligibility to verify your eligibility and qualification for a VA-backed loan. The official document will guarantee your right to participate in the VA Loan Guaranty Program.

Uses of Eligibility Applications

  • Get an original determination of eligibility when applying for a home loan benefit.
  • Request to have a lost certificate of eligibility replaced.
  • Request for home loan benefit to be restored after a previous VA home loan is paid in full.
  • Get a certificate for refinance purposes that shows outstanding loans.

Ways to Apply for a COE

  • Apply online through the eBenefits portal.
  • Apply through a lender that have access to the Web LGY system, the internet-based application that can establish eligibility for a VA loan and issue a COE online in seconds.
  • Apply via mail using the VA Form 26-1880, Request for Certificate of Eligibility. It usually takes 4 to 6 weeks before a resolution through the Department of Veterans Affairs is made.

For deceased Veterans, Servicemembers, and National Guard and Reserve Members, surviving spouses can process the COE through their lender.


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