The COE is primarily used in applying for a VA or CalVet Home Loan. After establishing that you are eligible, you will need a Certificate of Eligibility (COE) for the loan application. The COE verifies to the lender that you are eligible 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.
A current statement of service:
Statement of service:
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.
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.
Use VA Form 26-1880, Request for Certificate of Eligibility.
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.
Download VA Form 26-1817, Request for Determination of Loan Guaranty Eligibility - Unmarried Surviving Spouses
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 CenterAttn: COE (262)PO Box 100034Decatur, GA 30031
1227 O StreetSacramento, CA 958141 800 952-56261 800 324-5966 (TDD)1 800 221-8998 (Outside California)
Note: For all media inquiries, please call the number above, or visit our Press Releases page.
You must have suitable credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a VA-guaranteed home loan or a CalVet Home Loan. The home must be for your own personal occupancy. The eligibility requirements to obtain a COE are listed below for Servicemembers and Veterans, spouses, and other eligible beneficiaries.
VA home loans can be used to:
To obtain a COE, you must have been discharged under conditions other than dishonorable and meet the service requirements below:
*If you do not meet the minimum service requirements, you may still be eligible if you were discharged due to (1) hardship, (2) the convenience of the government, (3) reduction-in-force, (4) certain medical conditions, or (5) a service-connected disability.
The spouse of a Veteran can also apply for home loan eligibility under one of the following conditions:
You may also apply for eligibility if you fall into one of the following categories:
Veterans can have previously-used entitlement "restored" to purchase another home with a VA loan if:
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