VA Home Loan Checklist

Certificate of Eligibility (COE)

A VA Certificate of Eligibility (COE) is what shows your lender that you may be eligible for a VA home loan. It doesn't guarantee approval, but you'll typically need it as part of your VA loan application.

Quick checklist

1
Confirm you may be eligible
Veterans, active-duty service members, National Guard/Reserve members, and certain surviving spouses may be eligible. Eligibility rules and required documentation are set by VA.
2
Gather your service documentation
Common items include DD-214 (for veterans), a statement of service (active duty), or NGB-22 (National Guard). Surviving spouses may need marriage/death certificates.
3
Request your Certificate of Eligibility (COE)
Most buyers request the COE through their VA-approved lender via the WebLGY system. You can also request it yourself through eBenefits / VA.gov, or by mail.
4
Review your COE with your lender
Your COE shows your entitlement amount and any prior-use notations. Your lender uses this alongside credit, income, and property details for a loan decision.

Helpful resources

Note: CashToKeys is not affiliated with or endorsed by the U.S. Department of Veterans Affairs. COE requirements, eligibility, and processes are set by VA and may change. Confirm current requirements with VA and your lender. This checklist is informational only and does not affect calculator results.

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