Getting a Certificate of Eligibility is one of the first steps in using a loan guarantee from the Department of Veterans Affairs, also known as a VA home loan. The certificate serves as proof that a buyer is eligible for the loan. In some cases, a private lender, such as a bank, may request the certificate on the veteran's behalf. However, lodging the request yourself is a fairly simple process. Once you obtain your Certificate of Eligibility, you can begin searching for a property.
Things You'll Need
- VA Form 26-1880 or Form 26-1817
- Proof of eligibility such as:
- Copy of DD-214
- Copy of NGB Form 22
- Copy of NGB Form 23
- Copy of Statement of Service
- Copy of DD Form 1300
- Copy of marriage certificate and/or
- Copy of death certificate
Determine if you meet the eligibility criteria for a VA home loan. See the "General Rules for Eligibility" at the Department of Veterans Affairs website (see Resources). Persons who may be eligible are veterans, soldiers on active duty, reservists, members of the National Guar and widows and widowers of those who died in the line or duty or as a result of active service.
Download the request form from the Department of Veterans Affairs website. Get Certificate of Eligibility Request Form 26-1880 if you are the veteran or serviceman or woman yourself. Get Form VA Form 26-1817 instead if you are a surviving spouse of a veteran. Fill in, sign and date the form.
Gather supporting evidence to prove you meet the criteria for a Certificate of Eligibility. Acceptable proof depends on the type of eligibility. Example: Veterans must submit a copy of Form DD-214, Discharge Papers and Separation Documents, while the widow or widower of a veteran who died in active duty must submit copies of Form 1300, Report of Casualty, and their marriage certificate.
Prepare the Certificate of Eligibility Request Form and supporting documents in one package. Make several copies of the entire request package. Mail the primary copy to the Department of Veterans Affairs at the following address, or the current address indicated in the request form:
Department of Veterans Affairs
P.O. Box 20729
Winston-Salem, NC 27120
Tips & Warnings
- If you do not have a printer, call 888-244-6711 and follow the directions for Eligibility.
- Applicants other than surviving spouses may file their request online or through a lender instead.
- Make at least two copies of your application package, in addition to the original you send. Keep the extra copies in case you need them later.
- Do not send original documents, except for the request form, which must be signed and dated. Submitted documents are never returned.
- A dishonorable discharge is grounds for ineligibility.
- Photo Credit military world image by agno_agnus from Fotolia.com
- Department of Veterans Affairs: Obtain Your Certificate of Eligibility Online
- Department of Veterans Affairs: Certificate of Eligibility FAQ
- Department of Veterans Affairs: The Veterans Information Portal
- Department of Veterans Affairs: VA Form 26-1817
- National Archives: How to Request Military Service Records or Prove Military Service
How to Get Preapproved for a VA Loan?
A VA loan is guaranteed by the Office of Veteran's Affairs. This guarantee is only available to veterans who meet the necessary...
How to Apply for a VA Mortgage Loan
A Veterans Administration (VA) loan is made by lenders, such as banks, mortgage companies and credit unions, to veterans who meet eligibility...
How to Find VA Disability Certificates
If you have served in the United States military, you are entitled to certain benefits through the United States Department of Veteran...
How Long Is a VA Loan Approval Letter Good For?
A Department of Veterans Affairs (VA) home loan guarantee program allows veterans to obtain a mortgage through a VA lender. This type...
Help Me Understand My VA Certificate of Eligibility
If the Department of Veteran's Affairs insures your mortgage, you don't need a down payment. That alone can make a VA loan...