To get a VA Certificate of Eligibility, you need to gather proof of eligibility, fill out an application, and send in your form and proof. A VA Certificate of Eligibility allows current, retired or discharged service members and their surviving spouses to get a VA-backed home loan. The benefits of a VA-backed home loan include a lower interest rate, smaller down payment and no private mortgage insurance.
- Gather your proof of eligibility
You need proof of eligibility, which varies depending on which category you fall under. For example, an active-duty service member needs only a current statement of service, while a surviving spouse needs VA form 21-534, a DD214, a marriage license, and a death certificate or DD Form 1300 Report of Casualty.
- Fill out an application
Service members and veterans can apply online. Surviving spouses must apply by mail. Service members and veterans need to use VA Form 26-1880 Request for Certificate of Eligibility, while surviving spouses need to use VA Form 26-1817 Request for Determination of Loan Guaranty Eligibility.
- Send in the form
Mailed forms need to be sent to VA Loan Eligibility Center. As of 2014, applicants must send forms and supporting documents to Attn: COE (262), P.O. Box 100034, Decatur, GA 30031.