Pennsylvania Home Buyer

How to get my VA certificate of eligibility?

VA certificate of eligibilityYou will need a Certificate of Eligibility (COE). The COE verifies to the lender that you qualify for a VA backed loan. loan.

US flagYou can obtain your certificate of eligibility from the Veteran's Administration online. Here's a nice flyer detailing the procedure: Obtaining Your Certificate of Eligibility Online.pdf. However, in some cases, your lender may be able to establish your eligibility and obtain your certificate of eligibility online.

What do I need to qualify for a VA home loan?

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 DD Form 214 - required to have a copy showing the character of service (item 24) and the narrative reason for separation (item 28).
Active Duty Service member A current statement of service:
  • signed by (or by the direction of):
    the adjutant, personnel office, or commander of the unit or higher headquarters
  • showing:
    Your full name
    Social Security Number
    Date of birth
    Entry date on active duty
    The duration of any lost time
    The name of the command providing the information
Current National Guard or Reserve member who has never been Federal active service Statement of service:
  • signed by (or by the direction of):
    the adjutant, personnel officer or commander of your unit or higher headquarters
  • showing:
    Your full name
    Social Security Number
    Date of birth
    Entry date on duty
    The total number of creditable years of service
    The duration of any lost time
    The name of the command providing the information
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
-OR-
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
Surviving spouse of a Service member who died on active duty

If you're already receiving Dependency and Indemnity Compensation (DIC), you don't need to send any documents.

If you don't receive DIC, please send us

  • A copy of the DD Form 1300 (Report of Casualty) from the military
  • A copy of your marriage certificate

It would be a good idea to add a simple signed statement saying that you would like to apply for DIC. If you qualify for the home loan benefit, you probably qualify for monthly payments under DIC.

Put the Service member's Social Security number on all documents.

Surviving spouse of a Veteran who died as a result of military service

If you're already receiving Dependency and Indemnity Compensation (DIC), send us a copy of your award letter. (Generally, you will already have a record on file at a VA regional benefits office.)

If you don' t receive Dependency and Indemnity Compensation (DIC), please send us

  • A copy of the Veteran's DD Form 214
  • A copy of the Veteran's death certificate
  • A copy of your marriage certificate

We recommend that you add a simple signed statement saying that you would like to apply for DIC. If you qualify for the home loan benefit, you probably qualify for monthly payments under DIC.

Put the Veteran' s Social Security number on all documents.