COE - Certificate of Eligibility

The definition of mortgage term: Certificate of Eligibility

A certificate of eligibility is needed when applying for a VA loan. The COE signifies that one is eligibility to be backed by the VA. you can apply for a COE online, through a lender, or by mail. In order to receive a COE evidence must be provided to show proof of eligibility. Veterans and national Guard or Reserve members who have been activated, both current and former, are required to provide a copy of DD Form 214 showing the individual of service and reason for separation. Active Duty members and those National guard and Reserve members who have never been activated must have a statement of service signed by the personnel office or the commander of the unit complete with their full name, SSN, date of birth, date of active duty entry, duration of any lost time, and the name of the command providing the information. Discharged members of the National Guard must provide NGB Form 22 or NGB Form 23. Discharged Members if the Selected Reserve shall provide a copy of their last annual retirement points statement and evidence of honorable service.

A Surviving spouse of service members killed on duty or because of disability related to service are also eligible for a COE they must provide a copy of VA Form 21-534. If the spouse does not receive Dependency & Indemnity Compensation a copy of DD Form 214, Marriage License, and death certificate or DD Form 1300 must also be provided.


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