How to request a va home loan certificate of eligibility (coe) | veterans affairs
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Learn how to request a VA home loan Certificate of Eligibility (COE). This is the first step in getting a VA-backed home loan or Native American Direct Loan. It confirms for your lender that
you qualify for the VA home loan benefit. Then, choose your loan type and learn about the rest of the loan application process. WHAT HAPPENS AFTER I REQUEST A COE? We’ll review your request
and tell you our decision. You can check the status of your request online. Learn how to check the status of your home loan COE NEXT STEPS FOR GETTING A VA DIRECT OR VA-BACKED HOME LOAN
Requesting a COE is only part of the process for getting a VA direct or VA-backed home loan. Your next steps will depend on the type of loan and the lender. (For most loans, the lender is a
private bank or mortgage company. For the Native American Direct Loan, we’re the lender). The lender will request a VA appraisal (assessment) of the house. An appraisal estimates the house’s
market value at the time of inspection. An appraisal isn’t a home inspection or a guaranty of value. The lender will review the appraisal and your credit and income information. If they
decide to accept your application, they’ll work with you to select a title company (or other entity) to close (transfer ownership) on the house.