Certificate of Eligibility

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Obtaining Your Certificate of Eligibility

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As part of the VA Loan process, prospective borrowers will have to prove they're eligible to participate in the program. The only true way to do that is through the Certificate of Eligibility (COE), a formal document that explains what VA entitlement, if any, you possess.

The certificate can be obtained by filling out Certificate of Eligibility Request Form (VA Form 261880). The form can be downloaded through the Veterans Administrations site and then mailed in. However, the approval process can take a few weeks. You can also utilize the VA's eBenefits portal.

Fortunately, VA-approved lenders like Veterans United Home Loans can submit your COE requests through the department's Automated Certificate of Eligibility system. A Veterans United Loan specialist in most cases can obtain your COE in matter of minutes.

Start Today

It's important to remember that you don't need your Certificate of Eligibility to start the loan process. Veterans United customers can get prequalified and on the path to loan approval in minutes.

Call one of our VA Loan specialists at 800-884-5560 today to get started.

VA Loan Eligibility

Borrowers can qualify for the VA Loan Guaranty Program if they have served 90 days during wartime, 181 days during peacetime or have six years of service in the National Guard or Reserves. Veterans also must have been discharged under other than dishonorable conditions. Surviving spouses of veterans who died in the line of duty or from a service-connected disability are also eligible to apply.

Get Started Now

Fill out our contact form and we'll call you or call us now at
800-884-5560

Loan TypeVA Home PurchaseVA Home Refinance

Select StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict Of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming

Select AreaChattanooga AreaClarksville AreaFort CampbellKnoxville AreaMemphis AreaNashville AreaOther

Value of Home under $60,000 $60,000 $80,000 $100,000 $120,000 $140,000 $160,000 $180,000 $200,000 $220,000 $240,000 $260,000 $280,000 $300,000 $320,000 $340,000 $360,000 $380,000 $400,000

Plan to PurchaseWithin a MonthIn 2-6 MonthsOver 6 Months

Credit RatingExcellentGoodFairPoor

Military StatusActive DutyVeteranReserves/National GuardRetiredSpouseNo Military Experience

Current Rateunder 4.5% 4.5%4.75%5%5.25%5.5%5.75%6%6.25%6.5%6.75%7%7.25%7.5%7.75%8%8.25%8.5%8.75%9%9.25%9.5%9.75%10% over 10%

Already found a home?YesNo

What is preventing you
from buying now? SelectCredit too LowIncome too LowLocked in Rent/LeaseTransferingHaven't Found HomeOther

Currently Owe? under $60,000 $60,000 $80,000 $100,000 $120,000 $140,000 $160,000 $180,000 $200,000 $220,000 $240,000 $260,000 $280,000 $300,000 $320,000 $340,000 $360,000 $380,000 $400,000

Ever filed for bankruptcy?NeverWithin the year1-2 years ago2-5 years ago5-7 years agoOver 7 years ago

Manufactured home?NoYes

Currently have VA Loan?NoYes

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