Find out how to get your Certificate of Eligibility for a VA Home Loan
In many cases, your lender will be able to obtain a Certificate of Eligibility for you by using ACE (automated certificate of eligibility). ACE is a web-based application that is able to determine eligibility and issue an online Certificate of Eligibility in a matter of seconds. Not all cases can be processed through ACE. If there is insufficient data in our records, the certificate will have to be requested from VA using the procedures below.
Requesting a certificate from VA:
1. Complete VA Form 26-1880. Request for a Certificate of Eligibility for VA Home Loan Benefits.
2. Send the completed VA Form 26-1880 and any supporting evidence (see 3 and 4 below) to the correct VA Eligibility Center (see below “Where is Your Eligibility Certificate Processed?”). Under normal circumstances a response can be anticipated in roughly 10 days. This time frame will vary during periods of heavy activity
3. Include photocopies of your most recent discharge or separation papers covering active military duty, which show active duty dates and type of discharge. IF YOU SERVED ON REGULAR ACTIVE DUTY (NOT A RESERVIST) AND WERE DISCHARGED AFTER 1975 OR YOU HAVE PREVIOUSLY HAD A VA LOAN, IT MAY NOT BE NECESSARY FOR YOU TO PROVIDE DOCUMENTATION OF YOUR MILITARY SERVICE. However, it is best to provide such evidence with your VA Form 26-1880 if it is readily available so as to avoid possible delays in processing your request.
If you were discharged from regular active duty.
If your service was in Selected Reserves.
with points earned for weekend drills or active duty for training and received an honorable discharge. Since there is no uniform document similar to the DD214 for proof of service in the Selected Reserve, a number of different forms may be accepted.
If you remain on active duty.
4. If you are seeking restoration of your previously used benefit, you should include any evidence of payment in full of your prior loan (copy of HUD-1, settlement statement for example) that you have in your possession. Normally VA receives notification that a loan has been paid, but this does not always happen. VA determines your eligibility and, if you are qualified, VA will issue you a certificate of eligibility to be used in applying for a VA loan.
The Winston-Salem Eligibility Center will be the sole site for processing requests for Certificates of Eligibility (COEs) for veterans. All VA Forms 26-1880 and supporting documents to determine a veteran’s eligibility should be mailed to the following address: