Is a DD-214 required for a VA loan?
For separated veterans, yes — typically Member Copy 4. Active-duty borrowers use a current Statement of Service instead. Guard and Reserve use NGB-22 or equivalent points/discharge documents.
Plain-English explanation
The DD-214 documents service dates and character of discharge — VA needs both to issue the COE for separated veterans. Member Copy 4 is the version with the discharge reason that the VA needs. Lost or never-issued DD-214s can be requested through the National Personnel Records Center; this can take weeks. Subject to VA guidelines.
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.
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.
More VA questions on COE
Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.