How to get your VA Certificate of Eligibility (COE)
The COE is step one of every VA loan. Here's how to get it, often in minutes through your lender.
Updated September 29, 2026 · By the Digital Mortgage, LLC VA lending team
A Certificate of Eligibility (COE) confirms to your lender that you qualify for the VA home loan benefit and shows your entitlement. You need one before a VA loan can close.
Three ways to request a COE
- Through your lender (fastest). Lenders can use the VA's online system, Web LGY, and many COEs come back in minutes. We do this for our borrowers.
- Online at VA.gov with your VA account.
- By mail using VA Form 26-1880, sent to your regional loan center. This takes the longest.
Documents you may need
| If you are | What to have ready |
|---|---|
| A veteran | Your DD214 (discharge or separation papers) |
| Active duty | A statement of service signed by your commander, adjutant, or personnel officer (name, SSN, date of birth, entry date, lost time, command) |
| Activated Guard or Reserve (current or former) | DD214 or other discharge documents |
| Guard or Reserve, never activated | A statement of service (current) or NGB Forms 22 and 23 / retirement points and proof of honorable service (discharged) |
| Surviving spouse receiving DIC | VA Form 26-1817 |
| Surviving spouse not receiving DIC | VA Form 21P-534EZ, marriage license, and the veteran's death certificate |
What happens after you have your COE
Your lender orders a VA appraisal, reviews your credit and income, and issues a pre-approval so you can make offers. The COE is only one piece of qualifying. Start with our 60-second form and we'll request it for you.
Frequently asked questions
How long does it take to get a VA COE?
Through a lender using Web LGY it's often immediate. Online requests are usually quick, and mail requests take the longest.
Can my lender get my COE for me?
Yes. Most VA lenders, including Digital Mortgage, can request your COE online with your permission.
What if I don't have my DD214?
You can request a copy of your military records from the National Archives, and your lender can often still request the COE with the information you have.
Does the COE show how much I can borrow?
No. It shows your entitlement. Your lender determines how much you can borrow based on income, credit, debts, and the appraisal.
Sources: VA.gov: how to request a COE · VA.gov: entitlement and loan limits. This article is general information, not a loan commitment. Eligibility, rates, and terms depend on credit approval and program guidelines.