How to get a VA Loan Certificate of Eligibility

The purpose of this comprehensive guide is to provide step-by-step instructions on how to obtain your VA Loan Certificate of Eligibility online. The process might seem overwhelming at first, but with the right information and guidance, it becomes much more manageable. So, let’s get started.

VA Loan Certificate of Eligibility

The Certificate of Eligibility, or COE, is an official document issued by the Department of Veterans Affairs. It certifies that the applicant has met the necessary service requirements to qualify for a VA home loan. This document is crucial because it not only validates your status as a veteran but also the length and character of your service. Without a COE, you won’t be able to apply for a VA home loan.

Geting the Certificate Online

Obtaining your COE online offers numerous benefits. The most significant advantage is convenience. You can request the certificate from the comfort of your own home, without needing to visit a VA office. Additionally, the online process is typically faster, enabling you to get your certificate sooner and proceed with your home buying journey. Furthermore, the online system allows you to save your progress, so you can complete the application at your own pace.

Step 1: Gather Required Information

Before you start your online application process for your COE, you’ll need to gather some necessary information. This includes personal details and specific information about your military service.

Personal Information

Your personal information is crucial for identity verification purposes. You’ll need to provide basic details such as your full name, Social Security Number, date of birth, and contact information. It’s important to ensure that this information is accurate and up-to-date to prevent any delays in processing your application.

Military Service Details

In addition to personal information, you will also need specific details about your military service. This may include your branch of service, dates of service, discharge type, and service number (if applicable). In some cases, you might also need to provide additional documentation to support your application, such as a copy of your DD Form 214 (Discharge Papers and Separation Documents), or statement of service signed by your personnel officer or commander if you’re still on active duty.

READ ALSO:  How to Add a New Camera in Milestone Software

Step 2: Access the eBenefits Website

The next step in obtaining your VA Loan Certificate of Eligibility is accessing the eBenefits website. The eBenefits portal is a joint VA and Department of Defense (DoD) web portal that provides resources and self-service capabilities to Veterans, Service members, and their families.


eBenefits is a one-stop online resource that provides tools and benefits information for service members, veterans, and their families. The platform was designed to simplify the process of managing benefits, making it easier for users to access the resources they need. In the context of VA loans, eBenefits is where you’ll apply for your COE, track the status of your application, and manage your VA home loan benefits.

Creating an Account

To start using eBenefits, you’ll first need to create an account. Visit the eBenefits homepage and click on the “Register” button. You’ll be prompted to provide personal information, including your Social Security Number and date of birth. After providing this information, you’ll create a username and password. Remember to make a note of these details as you’ll need them to log in to your account in the future.

Step 3: Go to the Certificate of Eligibility Page

Once you’ve set up your eBenefits account, the next step is to navigate to the Certificate of Eligibility page. This is where you’ll submit your application for a VA Loan COE.

Find the Certificate of Eligibility Section

After logging in to your eBenefits account, click on the “Dashboard” tab. Scroll down until you see the section titled “VA Home Loan Certificate of Eligibility”. Click on this link to navigate to the COE application page.

READ ALSO:  How To Pay KPPSC Fee Using Easypaisa, JazzCash & Bank

GI Bill and Education Eligibility

The VA also offers education benefits through the GI Bill. While this guide mainly focuses on obtaining a COE for VA home loan purposes, it’s important to understand that the Certificate of Eligibility also applies to education benefits. If you’re considering furthering your education, you’ll also need a COE to apply for benefits under the GI Bill. The process for applying for this certificate is very similar to the one outlined in this guide.

Step 4: Complete the Application Form

With all the necessary information at hand and having navigated to the right page, it’s now time to complete the VA Loan Certificate of Eligibility application form, also known as VA Form 26-1880.

VA Form 26-1880

The VA Form 26-1880 is a request for a Certificate of Eligibility for home loan benefits. It’s a straightforward form that asks for details about your personal information, military service, previous VA loan use, and other relevant details. Completing the form accurately is crucial to ensuring your eligibility for a VA home loan.

Fill out the Form Correctly

To fill out the form, follow the instructions carefully. Input your personal and military service details accurately. If you’ve used your VA loan benefits previously, you’ll need to provide details of these loans. Once you’ve filled in all the required fields, review the information thoroughly to ensure accuracy before submitting. And remember, honesty is key here. Providing false information can result in penalties and may impact your ability to obtain a VA loan.

Step 5: Submit the Application

You’re almost there! Now that you’ve completed the form, it’s time to submit your application.

READ ALSO:  How to Redeem and Use EasyPaisa Vouchers for Cashback

Review the Application for Accuracy

Before submitting your application, take a moment to review all the information you’ve provided. Double-check that everything is accurate and up-to-date. Even a small error or typo could cause delays in processing your application.

Upload Supporting Documents

Depending on your specific circumstances, you may need to provide supporting documents along with your application. These documents could include a copy of your DD Form 214 or other discharge papers, as well as any additional documentation requested during the application process. Make sure to scan these documents and upload them as instructed on the eBenefits website.


Congratulations! You’ve successfully completed the process of obtaining your VA Loan Certificate of Eligibility online. By following this comprehensive step-by-step guide, you’ve navigated the complexities of the application process and taken an important step towards realizing your dream of homeownership.

Remember, the VA Loan Certificate of Eligibility is a crucial document that validates your eligibility for a VA home loan. Obtaining it online through the eBenefits website offers convenience, speed, and the ability to track the progress of your application. Now that you have your COE, you can confidently move forward in your home buying journey, knowing that you have the necessary documentation to secure a VA-backed loan.

For more information or if you have any questions, don’t hesitate to reach out to the Department of Veterans Affairs or visit their official website. They are there to assist you

Kazim Ali

Our resident Kazim Ali, deciphers the latest industry trends and innovations, delivering expert insights in easy-to-digest articles.

Leave a Reply

Your email address will not be published. Required fields are marked *

Back to top button