Can a mortgage broker pull my VA Certificate of Eligibility?
Yes. VA-approved lenders, including brokers, can pull the COE through VA's WebLGY portal in minutes for most borrowers. Borrowers can also pull it directly through eBenefits / VA.gov.
What this actually means.
WebLGY usually returns an automatic COE for borrowers in VA's database. When automatic eligibility doesn't return, the lender or veteran submits VA Form 26-1880 with supporting documents (DD-214 for separated veterans, statement of service for active duty). For complex files — Guard/Reserve, surviving spouse, character-of-discharge review — manual processing takes longer.
Where this can move.
Service-history records, character-of-discharge review, and surviving-spouse DIC determinations can change VA eligibility. Lender overlays may add to VA's rules.
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Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with the VA, HUD, or any government agency.