How to Get Your VA Certificate of Eligibility (COE) Fast in 2025

Every VA loan starts with one simple but critical document: your Certificate of Eligibility (COE). Think of it as your ticket to powerful home loan benefits—like zero down payment, no private mortgage insurance (PMI), and flexible credit requirements.

In this guide, you’ll learn exactly how to get your COE, who qualifies, and the fastest ways to apply in 2025. Whether you're active-duty, a veteran, or a surviving spouse, we've got you covered—step by step.

Key Takeaways

• The VA does NOT have a minimum credit score requirement. Any number you're shown is a lender overlay.
  
• Your COE confirms your eligibility for a VA-backed mortgage—it’s the first document lenders will request.
  
• You can apply for a COE online, through a VA-approved lender, or by mail (though mail is the slowest method).
  
• Service requirements vary based on whether you're active duty, National Guard/Reserve, or a surviving spouse.
  
• Lenders like Be My Neighbor Mortgage can often get your COE within 24–48 hours—at no cost to you.
  

What Is a VA Certificate of Eligibility (COE)?

A COE is an official document from the U.S. Department of Veterans Affairs (VA) that verifies you meet the minimum service requirements for a VA home loan. It doesn’t guarantee loan approval—but it’s your golden key to start the process.

You’ll need it to:

• Access zero-down financing
  
• Skip monthly private mortgage insurance (PMI)
  
• Get competitive interest rates thanks to the VA guarantee
  

Pro Tip: Lenders cannot issue a VA loan without verifying your COE, so it’s best to secure this early.

3 Fastest Ways to Get Your COE in 2025

1. Apply Online via the VA eBenefits Portal (Fastest)

• Go to VA.gov
  
• Log into your eBenefits account
  
• Select “Request a Certificate of Eligibility”
  
• Enter your service details and submit
  

Processing Time: Instant to 24 hours
Best for: Tech-savvy veterans who want to DIY quickly

2. Have a VA-Approved Lender Request It for You (Easiest)

Most VA lenders—like Be My Neighbor Mortgage—can access the VA’s Web LGY system and request your COE electronically. All you’ll need to provide is basic service info or discharge paperwork (DD214).

Processing Time: 24–48 hours
Best for: Anyone who prefers help navigating the process

3. Apply by Mail (Slowest Method)

If you’re unable to apply online or through a lender:

• Complete VA Form 26-1880
  
• Mail it to your nearest VA Loan Eligibility Center
  

Processing Time: 4–6 weeks
Mailing Address: Varies by state—find it on VA.gov

This method is typically only used if digital options aren’t available.

Do You Qualify for a VA COE?

Eligibility is based on your military service history. Here’s a breakdown:

(Source: VA Lender’s Handbook, Chapter 2)

You may also need:

• DD214 (for separated service members)
  
• Statement of Service (for active-duty or current Guard/Reserve)
  
• Marriage certificate and veteran’s death certificate (for surviving spouses)
  

How Long Does It Take to Get a COE?

Next Steps: Use Your COE to Start the VA Loan Process

Step 1: Secure your COE using one of the methods above
Step 2: Connect with a VA-approved lender to review your loan options
Step 3: Compare interest rates, get pre-approved, and start house hunting
Step 4: Understand what you’ll pay at closing—yes, VA loans still have costs. Here's what to expect.

Need help getting started? Be My Neighbor Mortgage specializes in guiding veterans through every step—COE included.

FAQs: VA COE & Home Loan Eligibility

1. What are the service requirements for a VA loan?

• Veterans/Active Duty: 90 days wartime or 181 days peacetime
  
• National Guard/Reserves: 6 years OR 90 days active duty
  
• Surviving Spouse: Eligible if the veteran died in service or due to a service-connected cause
  (Source: VA Pamphlet 26-7, Chapter 2)
  

2. Can I apply for a VA loan before I have my COE?

Technically yes, but lenders won’t finalize approval without your COE. Getting it early speeds things up and avoids surprises.

3. Is there a fee to get my COE?

No—applying for your COE is always free, whether you do it yourself or through a lender.

4. What if I already used my VA loan benefit—can I still get a COE?

Yes. You may have remaining entitlement or may be eligible to restore your entitlement after selling the previous home or refinancing into a non-VA loan.

5. What is a Statement of Service and when do I need one?

A Statement of Service is a letter from your commanding officer confirming your active-duty status. It’s required if you're currently serving. Learn more here →

Ready to Move Forward? Let’s Secure Your COE Together

Getting your Certificate of Eligibility is the first—and easiest—step toward homeownership with your well-earned VA benefits. Whether you’re buying your first home, refinancing, or looking into assumptions, we’re here to help every step of the way.

Still have questions? Reach out to Be My Neighbor Mortgage and let’s talk through your options with no pressure and no jargon.

Be My Neighbor Mortgage, LLC (NMLS #1743790) | Equal Housing Lender
This is not a commitment to lend. All loans subject to credit and underwriting approval. Rates and terms may change.