VA Loan Eligibility
VA Certificate of Eligibility (VA COE)
A VA Certificate of Eligibility (“VA COE”) is required for every Arizona VA home loan. Veterans must prove they are eligible for a VA home loan. A VA Certificate of Eligibility provides that proof. The document shows how much and what type of VA loan eligibility the veteran has.
A VA COE is typically requested by the veteran’s Arizona VA Lender. In order to request a VA COE, the VA lender needs a copy of the veteran’s form DD214.
Requesting a VA COE
A VA lender may request a VA COE for you. A veteran may also request a VA COE for themselves.
I. VA COE – Lender Requested
An Arizona VA lender uses VA form DD214 to request a COE with the VA. Using the information on the DD214, the lender requests an updated COE.
Then, an Arizona VA Lender receives a copy of the Veteran’s COE. 30% to 50% of the time the COE is delivered instantly to the lender electronically. The remaining 50% to 70% of COE requests are processed manually by the VA. Manual COE orders can take up to 2 weeks.
II. VA COE – Veteran Requested
Veterans may also request an updated a COE using VA Form 26-1880.
Unmarried Surviving spouses must apply manually for a COE using VA Form 26-1817. Manual COE requests using both Form 26-1880 or Form 26-1817 need to be mailed to:
VA Loan Eligibility Center
Attn: COE (262)
PO Box 100034
Decatur, GA 30031
Veterans can call VA’s eligibility center at 1-888-768-2132 with any questions. The VA provides a helpful chart outlining what a veteran needs to request a COE.
Who is Eligible for a VA Mortgage?
The following are all eligible for an Arizona VA Home Loan:
- Active duty personnel
- Reservists/National Guard members
- Some surviving spouse
Arizona VA Loan Resources:
Team Email: Team@JeremyHouse.com