VA Home Loan Certificate of Eligibility

A VA Home Loan Certificate of Eligibility (COE) is a document that verifies a veteran, active service member, or eligible military spouse qualifies for VA home loan benefits. It confirms your service meets the requirements and helps lenders determine your eligibility for VA-backed financing. You need the COE to apply for a VA loan, which often offers favorable terms like lower interest rates, no down payment, and easier qualification standards. You can obtain your COE online, through your lender, or by mailing a request to the VA, provided you have the necessary service documentation.