Certificate of Eligibility
After establishing that you are eligible, you will need a Certificate of Eligibility (COE). The COE verifies to the lender that you qualify for a VA-backed loan. This page describes the evidence you submit to verify your eligibility for a VA home loan and how to submit the evidence and obtain a COE.
The evidence you need depends on the nature of your eligibility. Consult the table below to determine your category and the evidence you will need when applying.
|Category||Evidence To Apply|
|Veteran||DD Form 214 - required to have a copy showing the character of service (item 24) and the narrative reason for separation (item 28).|
|Current or former National Guard or Reserve member who has been activated Federal active service|
|Active Duty Servicemember||A current statement of service:
|Current National Guard or Reserve member who has never been Federal active service||Statement of service:
|Discharged member of the National Guard who has never been activated for Federal active service||NGB Form 22, Report of Separation and Record of Service, for each period of National Guard service
NGB Form 23, Retirement Points Accounting, and proof of the character of service
|Discharged member of the Selected Reserve who has never been activated for Federal active service||Copy of your latest annual retirement points statement and evidence of honorable service|
|Surviving spouse of a Servicemember who died on active duty||
If you're already receiving Dependency and Indemnity Compensation (DIC), you don't need to send any documents.
If you don't receive DIC, please send us
It would be a good idea to add a simple signed statement saying that you would like to apply for DIC. If you qualify for the home loan benefit, you probably qualify for monthly payments under DIC.
Put the Servicemember's Social Security number on all documents.
|Surviving spouse of a Veteran who died as a result of military service||
If you're already receiving Dependency and Indemnity Compensation (DIC), send us a copy of your award letter. (Generally, you will already have a record on file at a VA regional benefits office.)
If you don' t receive Dependency and Indemnity Compensation (DIC), please send us
We recommend that you add a simple signed statement saying that you would like to apply for DIC. If you qualify for the home loan benefit, you probably qualify for monthly payments under DIC.Put the Veteran' s Social Security number on all documents.
After gathering the evidence you need, you can apply for your Certificate of Eligibility (COE) in the following ways.
To get your Certificate of Eligibility (COE) online, please go to the eBenefits portal. If you already have login credentials, click the Login box, and if you need login credentials, please click the Register box and follow the directions on the screen. If you need any assistance please call the eBenefits Help Desk at 1-800-983-0937. Their hours are Monday-Friday, 8am to 8pm EST.
Most lenders have access to the Web LGY system. This Internet-based application can establish eligibility and issue an online COE in a matter of seconds. Not all cases can be processed through Web LGY - only those for which VA has sufficient data in our records. However, Veterans are encouraged to ask their lenders about this method of obtaining a certificate.
Spouses must apply by mail using VA Form 26-1817, Request for Determination of Loan Guaranty Eligibility - Unmarried Surviving Spouses. 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.
If you can't print the form, just call 1-888-768-2132 and follow the prompts for Eligibility and we will mail the form to you.
Send the completed form to:
VA Loan Eligibility Center
Attn: COE (262)
PO Box 100034
Decatur, GA 30031
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