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.
Evidence To Apply
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:
signed by (or by the direction of):the adjutant, personnel office, or commander of the unit or higher headquarters
Your full nameSocial Security NumberDate of birthEntry date on active dutyThe duration of any lost timeThe name of the command providing the information
Current National Guard or Reserve member who has never been Federal active service
Statement of service:
signed by (or by the direction of):the adjutant, personnel officer or commander of your unit or higher headquarters
Your full name
Social Security NumberDate of birthEntry date on dutyThe total number of creditable years of serviceThe duration of any lost timeThe name of the command providing the information
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
A copy of the DD Form 1300 (Report of Casualty) from the military
A copy of your marriage certificate
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
A copy of the Veteran's DD Form 214
A copy of the Veteran's death certificate
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.
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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