Obtaining a Certificate of Eligibility (COE) is easy and can often be done online in just a few minutes. A COE is required if you are interested in using your VA benefits to buy a home. There are three ways you can apply for a COE; online, through your lender, or by mail.
To obtain your Certificate of Eligibility online you can visit the VA’s ebenefits Portal located at https://www.ebenefits.va.gov/ebenefits/ Once you are there if you have already set up an account you can simply log in. If you do not have an account you will need to register for one by clicking on register which is located in the top right corner next to the log in button. You will be prompted to enter your information so that the system can connect you to your VA record. Be sure the information you enter matches what is on your DD-214 or Statement of Service so that the system can easily identify you.
Once you have an account you will need to log in and go to “apply for benefits” and then click on “VA Home Loan Certificate of Eligibility” you will again be prompted for more information about you so that the VA can determine your entitlement and issue a COE.
Applying through a Mortgage Company
Most VA mortgage companies have access to a system called Web LGY which allows them to quickly enter in your information and obtain a COE from the VA. Veterans are encouraged to go through a mortgage company because it is the easiest way for them to obtain their COE.
If you are not currently working with a mortgage company Give Us a Call and we can help you get your Certificate of Eligibility.
Applying by Mail
You can submit a request for your Certificate of Eligibility through the mail. Note that this method will take the longest of the three so if you are in a time crunch it will be much faster to apply online or through your lender. To apply through mail you will need to download and fill out VA Form 26-1880 and send it to:
VA Loan Eligibility Center
Attn: COE (262)
PO Box 100034
Decatur, GA 30031
If you can not download the file online you can call 1-888-768-2132 follow the prompts and they will mail the form to you.
VA specific mortgage companies are the best resource if you need help obtaining a COE. They need a COE for every VA loan they process which gives them lots of experience obtaining and resolving any issues you may be facing.
Give us a Call and we can help you obtain your Certificate of Eligibility.