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.
What this actually means.
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.
Where this can move.
WebLGY automatic eligibility, manual processing for Guard/Reserve and surviving spouses, and entitlement-restoration timing can change the COE result.
Ask the question. Get the straight answer.
Send the scenario and I'll tell you what I'm seeing. No application fee. No long form just to get a basic 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. Mortgage Expert, Inc. is not affiliated with the VA, HUD, or any government agency.