{"id":5847,"date":"2023-05-10T23:13:20","date_gmt":"2023-05-10T23:13:20","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=5847"},"modified":"2026-03-03T03:20:45","modified_gmt":"2026-03-03T03:20:45","slug":"certificate-of-eligibility","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/va-loans\/certificate-of-eligibility\/","title":{"rendered":"VA Certificate of Eligibility: A Complete Guide"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you\u2019re interested in applying for a VA loan, you\u2019ll need your Certificate of Eligibility (COE). This form is crucial for helping lenders determine your eligibility and remaining entitlement to ensure you not only qualify for a VA loan but can afford one with zero down payment required.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/\"><span style=\"font-weight: 400;\">VA home loans<\/span><\/a><span style=\"font-weight: 400;\"> help eligible active duty service members, veterans, and surviving spouses become homeowners by providing them with more flexible lending criteria, including benefits like competitive <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/va-rates\/\"><span style=\"font-weight: 400;\">VA loan rates<\/span><\/a><span style=\"font-weight: 400;\">, zero percent down payments, lower credit score requirements, and higher maximum debt-to-income (DTI) ratios allowed.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unfortunately, not everyone who has served in the military qualifies for a VA loan. The VA requires you to meet certain eligibility criteria. The VA COE can help borrowers determine their eligibility and provide them with more information, such as their remaining entitlement if they\u2019ve already used their VA loan. Keep reading to learn more about the VA Certificate of Eligibility.\u00a0<\/span><\/p>\n<div id=\"key_takeaways\"><h3>KEY TAKEAWAYS<\/h3><ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">All eligible veterans, service members, and surviving spouses must obtain a Certificate of Eligibility (COE) from the VA to qualify for a VA loan.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The COE determines your VA loan eligibility and contains crucial information about your entitlement.\u00a0<\/span><span style=\"font-weight: 400;\">There are several ways to request your COE. Either the lender can do it for you, or you can do it before applying for your loan.\u00a0<\/span><\/li>\n<\/ul>\n<\/div>\n<h2><span style=\"font-weight: 400;\">What Is a Certificate of Eligibility?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To qualify for a VA loan, lenders must determine your eligibility by requesting your Certificate of Eligibility. The VA Certificate of Eligibility is proof that a borrower has met the VA\u2019s service requirements and is eligible to receive a VA loan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Certificate of Eligibility for a VA loan is provided by the US Department of Veterans Affairs (VA). This government agency doesn\u2019t service the loan, but they guarantee it, which is why lenders can make the requirements much more flexible. The VA guarantees 25% of the loan, so if you fail to repay or default, the VA will cover part of the cost, making it less risky for lenders.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, to be eligible for a VA loan, borrowers must meet the <\/span><a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/eligibility\/\"><span style=\"font-weight: 400;\">minimum service requirements<\/span><\/a><span style=\"font-weight: 400;\">, which include the following:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5849 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image5-1.png\" alt=\"\" width=\"1999\" height=\"947\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image5-1.png 1999w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image5-1-300x142.png 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image5-1-1024x485.png 1024w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image5-1-768x364.png 768w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image5-1-1536x728.png 1536w\" sizes=\"auto, (max-width: 1999px) 100vw, 1999px\" \/><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">181 days of service during peacetime or 90 days of service during wartime<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Six years in the Reserves or National Guard<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are a surviving spouse of a service member who died due to service-related disability complications or in the line of duty<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The VA loan Certificate of Eligibility confirms this information for lenders, allowing them to proceed with the loan application process. However, it also provides information for VA loan borrowers who have already used their loans.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/griffinfunding.com\/blog\/va-loan-resources\/va-entitlement-explained-basic-bonus-loan-entitlements\/\"><span style=\"font-weight: 400;\">VA entitlement<\/span><\/a><span style=\"font-weight: 400;\"> is the maximum amount of the loan the VA will guarantee. There are currently no loan limits for first-time VA loan borrowers. However, if you\u2019ve already used your loan, you\u2019ll have a remaining entitlement, which is equal to 25% of the conforming loan limits in the county where the home is located.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have a remaining entitlement that doesn\u2019t cover the VA\u2019s guarantee (25% of the loan), you\u2019ll be responsible for providing a down payment. Let\u2019s take a look at an example in which you\u2019ve used your VA loan once and have already used $90,000 of your entitlement but want to take out a home loan for $500,000.\u00a0<\/span><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">As mentioned, when a borrower has remaining entitlement (rather than full entitlement), the VA uses the conforming loan limit to calculate how much it will guarantee. For 2026, the baseline conforming loan limit in most US counties is $832,750. In this calculation, the VA would guarantee <strong>$208,187.50<\/strong> ($832,750 x 0.25). However, remember, you&#8217;ve already used $90,000 of your entitlement. Therefore, you must subtract $90,000 from that amount, giving you a total of <strong>$118,187.50<\/strong> in remaining entitlement.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">The VA guarantees 25% of the total loan amount. In this case, the loan amount is $500,000. Therefore, they&#8217;d need to guarantee <strong>$125,000<\/strong> ($500,000 x 0.25).<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Now, we have two amounts: your remaining entitlement of <strong>$118,187.50<\/strong> and the $125,000 needed to cover 25% of the loan. Since your remaining entitlement is less than $125,000, you&#8217;ll have to pay the difference. Therefore, on this particular $500,000 loan, you&#8217;ll need to make a down payment of <strong>$6,812.50<\/strong>.<\/p>\n<blockquote class=\"ml-2 border-l-4 border-border-300\/10 pl-4 text-text-300\">\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Note:<\/strong> Borrowers with full entitlement \u2014 meaning they&#8217;ve never used a VA loan or have had a previous VA loan fully paid off and the entitlement restored \u2014 are not subject to loan limits and can borrow with no down payment regardless of the purchase price.<\/p>\n<\/blockquote>\n<div class=\"cta_banner gold_cta\" style=\"background:url(https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/gold-background-1.png)\"><h3>Download the Griffin Gold app today!<\/h3><p>Take charge of your financial wellness and achieve your homeownership goals <br><br>\r\nUse invitation code: <b>GRIFGOLD<\/b> to register.<\/p><div class=\"stores\"><a href=\"https:\/\/apps.apple.com\/us\/app\/griffin-gold\/id6460034387\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/apple-icon.svg\" \/><\/a><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.griffinfunding.gold\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/google-store.svg\" \/><\/a><\/div><\/div>\n<h2><span style=\"font-weight: 400;\">Why Do You Need a VA Certificate of Eligibility?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You need a COE to be eligible for the VA loan from a private lender. Without it, you\u2019re not eligible because the lender must verify you meet the VA\u2019s service requirements and have enough remaining entitlement to secure a VA loan with zero percent down.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Without this document, lenders can\u2019t approve you for a VA loan or its benefits, so it\u2019s crucial to obtain your COE if you believe you\u2019re entitled to this benefit. However, even if you\u2019re unsure if you qualify, you can request a COE from the VA to help you understand whether you qualify for a VA loan before applying with a lender.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, your COE is crucial for helping lenders understand how much the VA is willing to guarantee if you default on your loan. If you\u2019ve already used your VA loan, you may be required to make a down payment to cover the 25% guarantee and continue to take advantage of at least some of the benefits of the loan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This document also determines whether you have to pay the VA funding fee. Most borrowers will have to pay this fee, which funds the program and helps other eligible borrowers secure a VA loan.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to get a Certificate of Eligibility<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Obtaining your VA loan Certificate of Eligibility is crucial if you want to take out a VA loan. Once you\u2019ve received your COE, you can start searching for a home and apply for a VA loan. Of course, it\u2019s important to note that your COE doesn\u2019t guarantee loan approval. Instead, it simply tells lenders that you\u2019re eligible for the VA loan and how much of your entitlement you have left.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are several ways to obtain your COE, and some are faster than others. For example, if you request your COE directly with the VA, it can take up to six weeks to receive it by mail. However, there are several other options, which include the following:\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5850 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image1-1.png\" alt=\"\" width=\"1999\" height=\"547\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image1-1.png 1999w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image1-1-300x82.png 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image1-1-1024x280.png 1024w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image1-1-768x210.png 768w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image1-1-1536x420.png 1536w\" sizes=\"auto, (max-width: 1999px) 100vw, 1999px\" \/><\/p>\n<h3><span style=\"font-weight: 400;\">Speak with your lender<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">One of the easiest ways to obtain your COE to be approved for a VA loan is to ask your lender. VA-approved lenders can often access an online system to quickly obtain your COE. This is usually the best option if you\u2019ve already put in an offer on a home and want to streamline the application process.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Request COE online<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The VA allows you to request your COE online using the <\/span><a href=\"https:\/\/www.ebenefits.va.gov\/ebenefits\/homepage\"><span style=\"font-weight: 400;\">eBenefits portal<\/span><\/a><span style=\"font-weight: 400;\">. Instead of providing a lender with your Social Security number and other personal information, you can simply log in or create a new account.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Get your COE by mail<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Another option is to print off <\/span><a href=\"https:\/\/www.vba.va.gov\/pubs\/forms\/vba-26-1880-are.pdf\"><span style=\"font-weight: 400;\">Form 26-1880<\/span><\/a><span style=\"font-weight: 400;\"> and mail it to the VA. However, if you request your COE by mail, it can take up to six weeks or longer, depending on your status. Therefore, this is the least efficient method and probably not the right option if you\u2019ve already put an offer in on a house and want to move forward with a streamlined application process.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Instead, you might choose this option if you\u2019re considering purchasing a house and want to learn if you\u2019re eligible. In addition, you\u2019ll need a new COE every time you use your VA loan, so if you\u2019ve already used your loan, you\u2019ll need another one before applying for another loan.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What Do I Need Before Requesting a VA Certificate of Eligibility?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The type of information you need to request your VA COE varies depending on the method. However, it\u2019s usually quite simple as long as you can provide the lender or the VA with the necessary information. Here\u2019s how to obtain your <\/span><a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/how-to-request-coe\/\"><span style=\"font-weight: 400;\">VA Certificate of Eligibility<\/span><\/a><span style=\"font-weight: 400;\"> based on your current situation:\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Veterans<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The easiest way for veterans to obtain their COE is to ask the lender to do it for them. Since they have access to the database of COEs, they can usually pull yours up using your Social Security number and birth date. However, they may require additional information depending on various factors, like the type of discharge.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Veterans are required to provide Form DD-214, Certificate of Release or Discharge From Active Duty, to ensure they\u2019ve met the VA\u2019s active duty requirements. In addition, the type of discharge can factor into eligibility.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Active service members<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Active duty military members don\u2019t have discharge paperwork, so they may need to submit a statement of their service to the VA to receive their COE. Usually, they\u2019ll need to provide the following information:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Full name<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Social Security number<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Date of birth<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Date of entry<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Duration of lost time<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Name of the command providing the information\u00a0<\/span><\/li>\n<\/ul>\n<div class=\"cta_banner\" style=\"background:url(https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/catbanner1.jpg)\"><h3>Griffin Funding is dedicated to providing our customers with unparalleled service and the most favorable terms.<\/h3><a href=\"https:\/\/griffinfunding.com\/full-page-form-quick-quote\/\/\">Get Started<\/a><\/div>\n<h3><span style=\"font-weight: 400;\">Members of the National Guard or Reserves<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Members of the National Guard and Reserves must also provide a DD-214 and other discharge documents. However, if you\u2019re a current member with at least 90 days of active duty service, you\u2019ll need one of several documents, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A DD-214<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Annual point statement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DD-220 with accompanying orders<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you\u2019re a current member and have never been activated, you\u2019ll need a statement of service signed by the commander, adjutant, or personnel offer with the following information:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Full name<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Social Security number<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Date of birth<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Date of entry<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Number of creditable years of service<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Duration of lost time<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Name of the command providing the information\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Discharged members of the national guard who were never activated need their Report of Separation and Record of Service NGB Form 22 for each period of service and your Retirement Points Statement NGB Form 23 with proof of honorable service.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Military spouses<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Eligible military spouses must also obtain a COE. However, the process is slightly different because they\u2019re not veterans or active duty service members. In addition to providing their own personal information, they\u2019ll need to receive Dependency and Indemnity Compensation (DIC) benefits to qualify. Otherwise, they\u2019ll need Survivors Pension and\/or Accrued Benefits VA Form 21P-534EZ.\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5851 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image4-1.jpg\" alt=\"\" width=\"1000\" height=\"527\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image4-1.jpg 1000w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image4-1-300x158.jpg 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image4-1-768x405.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Eligible borrowers who receive DIC benefits must fill out a Request for Determination of Loan Guarantee Eligibility and receive a copy of the veteran\u2019s DD-214.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Military spouses not receiving DIC benefits, you\u2019ll need to provide the VA with the following documents:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A completed application for DIC<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A copy of your marriage license<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The veteran\u2019s death certificate<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">We Can Help You Get a COE for a VA Loan<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Obtaining your COE from the VA by mail can take up to six weeks or more, depending on the types of documentation and information you\u2019ve provided. However, Griffin Funding can help you obtain your Certificate of Eligibility for a VA loan quickly to help you verify that you\u2019re eligible for a VA loan and determine whether or not you\u2019ll owe a funding fee or down payment.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ready to <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/va-loan-resources\/how-to-apply-for-your-first-va-loan\/\"><span style=\"font-weight: 400;\">apply for a VA loan<\/span><\/a><span style=\"font-weight: 400;\">? Talk to a Griffin Funding mortgage specialist today. We can help you ensure you qualify for a VA loan and walk you through the process to streamline your journey of becoming a homeowner. <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re interested in applying for a VA loan, you\u2019ll need your Certificate of Eligibility (COE). This form is crucial for helping lenders determine your eligibility and remaining entitlement to ensure you not only qualify for a VA loan but can afford one with zero down payment required.\u00a0 VA home loans help eligible active duty<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/certificate-of-eligibility\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":5848,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[99],"tags":[],"class_list":["post-5847","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-va-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>VA Certificate of Eligibility: What It Is &amp; How to Get It | Griffin Funding<\/title>\n<meta name=\"description\" content=\"In order to get approved for a VA loan, you need a Certificate of Eligibility. 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