After establishing that you are eligible, you will need a Certificate of Eligibility (COE). 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.
|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|
|If you are a Surviving Spouse in Receipt of DIC (Dependency & Indemnity Compensation) benefits||
Submit VA form 26-1817 and veteran’s DD214 ( if available)
Include veteran’s and surviving spouse’s social security number on the 26-1817 form
|If you are a Surviving Spouse and are not receiving DIC (Dependency & Indemnity Compensation) benefits||
Submit the following to the appropriate Compensation and Pension office:
- DD214 (if available)
- Marriage License
- Death Certificate or DD Form 1300 – Report of Casualty
- Please find the mailing address for your state to send the VA 21-534 on the following link. PMC States
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 can take the VA form 26-1817 to their lender for processing (see Apply Through Lender above) or may mail the 26-1817 and DD214 (if available) to the following address:
If you can't print the form, just call 1-877-827-3702 and follow the prompts for Eligibility and we will mail the form to you.