Apply For Your Certificate of Eligibility

Please take a moment to complete our quick-and-easy information questionnaire in order for us to contact the VA and secure your VA Certificate of Eligibility.

Requesting A Certificate of Eligibility (COE)

You can request a COE in two ways. The quickest way to receive your COE is through a VA authorized lender. In most cases, your VA lender should be willing to assist you with obtaining your certificate. Lenders have access to a VA database called ACE (Automated Certificate of Eligibility). If the VA has enough information in ACE about a veteran, the lender can retrieve a copy of your certificate in seconds.

Ace does not have information about every veteran; in some cases the lender will need additional information, such as a printout of you DD214, to access your certificate. You can also request your certificate by mailing VA Form 26-1880 to the VA’s eligibility center in North Carolina, but requests by mail take much longer to process. The VA Loan Place has direct access to the VA’s ACE system, and will be happy to assist you with applying for your certificate.

We Have Direct Access to the VA's Online Portal

Because of our direct access with the Department of Veterans Administration, we can usually get your VA Certificate of Eligibility for you in a few short minutes, rather than weeks or even months, using the VA's online ACE system. Why wait? Get started today!

View an example COE

I requested my Certificate of Eligibility. What’s next?

1. Apply for your VA Loan
   The lender will take your application, and gather credit and income information to pre-qualify you for a loan. To save time, we offer a safe, secure online application which can be completed in about 10 minutes, simply click Apply for your VA loan, to start the application process. There is no cost to get started, and there is no obligation on your part to proceed with a loan.
2. Select the home you wish to purchase
   Your lender has determined the loan amount you have been pre-qualified for. You will need to find a home for that amount or less, and present a written offer to the seller. If your offer is accepted, a sales contract will be drawn up detailing the terms.
   If you would like to minimize the amount of out of pocket expense, you may wish to ask the seller to pay some or all of your closing costs. Your lender can provide you with a closing cost worksheet that will be helpful in properly structuring your offer. More useful information about this can be found on our site by clicking the link VA Closing Costs.
3. Close the loan and move in to your new home!
   Provide the lender with your sales contract, and have an inspection done on the property. Your realtor, if you have one, can assist you with ordering an inspection. The lender will then order your appraisal through the VA, underwrite your loan, and coordinate the closing with you.

Ready to Get Started?

What’s your first step? Contact a VA Loan Specialist