COE

How do I get my VA Certificate of Eligibility?

Short answer

Three paths: have your VA-approved lender pull it through WebLGY (fastest, often instant), pull it yourself through eBenefits / VA.gov, or mail VA Form 26-1880 with supporting documents to the VA regional loan center. Most borrowers in VA's database get an automatic COE.

Plain-English explanation

Documents that may be required for manual COE processing: DD-214 (Member Copy 4) for separated veterans, current Statement of Service for active-duty borrowers, points statements and discharge documents for Guard/Reserve, marriage and death certificates for surviving spouses. The COE shows entitlement amount, indicates funding-fee exemption status if applicable, and is generally good for the life of the eligibility — it doesn't expire. Subject to VA guidelines.

Practical example

An eligible Florida veteran asks the broker to pull the COE on Tuesday morning. WebLGY returns an automatic COE within minutes showing full entitlement and no funding-fee exemption. The veteran is now ready to write — credit, income, and property still have to clear underwriting.

What can change the answer?

WebLGY automatic eligibility, manual processing for Guard/Reserve and surviving spouses, and entitlement-restoration timing can change the COE result.

Your next step

Pull my COE

Get my VA strategy

Want the real answer for your VA file?

VA guidelines are the rule. Your COE, entitlement, residual income, property, and Florida costs are what decide the actual answer.

Get My VA Strategy Back to VA Loan Florida