What is a VA Certificate of Eligibility?
A Certificate of Eligibility, often called a COE, confirms that your military service meets the basic service requirement for a VA-backed home loan. It also shows your available entitlement.
A COE is an important first step, but it is not a loan approval. Your lender still reviews income, credit, debts, assets, occupancy and the property.
How do you request a COE?
Many borrowers ask their lender to request the COE through the VA system. You may also request it through VA.gov or submit VA Form 26-1880.
Some records are confirmed right away. Other requests may need service documents or more review. If you are unsure what to provide, start with a conversation before chasing paperwork.
What happens after you receive it?
Your lender reviews the COE for entitlement information and any conditions that may apply. From there, the COE becomes one part of a complete VA loan review and homebuying plan.
If the COE shows previously used entitlement, that does not automatically mean you cannot use a VA loan again. Remaining entitlement or restoration may offer a path forward.
Frequently asked questions
Do I need a COE before I call a lender?+
No. A VA-experienced lender can help you request it and explain the result.
Does a COE mean I am approved?+
No. It confirms basic VA eligibility, while the lender must still approve the borrower and property.
Can a surviving spouse qualify?+
Some surviving spouses may qualify. The VA reviews eligibility based on the specific circumstances.