How to Obtain Your VA Certificate of Eligibility in Texas

If you're a military veteran or active-duty service member in Texas, you have a fantastic opportunity to take advantage of VA home loans. One of the essential steps to secure this benefit is obtaining your VA Certificate of Eligibility (COE). But don't worry, we're here to guide you through the process, step by step.

What is a VA Certificate of Eligibility (COE)?

Before diving into the how-to, let's clarify what a COE is. The VA Certificate of Eligibility is a document that verifies your eligibility for a VA loan. It confirms to lenders that you meet the necessary service requirements to qualify for this fantastic benefit.

Step-by-Step Guide to Obtaining Your COE

1. Gather Your Required Documents

First things first, you’ll need to gather some essential documents. Depending on your service status, these documents will vary:

-Veterans: You’ll need your DD Form 214, which details your service history and the nature of your discharge.

- Active Duty Service Members: A current statement of service signed by your commander or personnel officer.

- National Guard or Reserve Members: A statement of service for current members or NGB Form 22 and NGB Form 23 for discharged members.

- Surviving Spouses: The veteran’s DD Form 214, a copy of the veteran’s death certificate, and a completed VA Form 26-1817.

2. Apply Online

The fastest and easiest way to obtain your COE is to apply online through the VA’s eBenefits portal. Here’s how:

1. Visit the eBenefits Portal: Go to the eBenefits website.

2. Sign In or Create an Account: If you don’t already have an account, you’ll need to create one. It’s a straightforward process, and once you’re set up, you can access a range of VA services.

3. Navigate to the COE Application: Once logged in, look for the link to request a Certificate of Eligibility under the “Apply” section.

4. Complete the Application: Follow the prompts to enter your information and upload the required documents.

5. Submit and Wait for Approval: After submitting your application, the VA will process it, and you should receive your COE in a matter of minutes.

3. Apply by Mail

If online applications aren’t your thing, you can also apply by mail. Here’s what you need to do:

1. Download VA Form 26-1880: You can find this form on the VA’s website.

2. Fill Out the Form: Complete the form with your personal information and details about your service.

3. Mail the Form and Documents: Send the completed form along with the necessary documents to the address specified on the form.

4. Wait for Your COE: This method takes longer, usually a few weeks, so plan accordingly.

4. Let Us Help You

At New Horizons Lending, we understand that navigating the VA loan process can be overwhelming. That’s why we’re here to help. Our experienced team can assist you in obtaining your COE quickly and efficiently. Just give us a call, and we’ll walk you through the entire process.

Why Choose a VA Loan?

VA loans offer numerous benefits, including no down payment, competitive interest rates, and no private mortgage insurance (PMI). These advantages can make homeownership more affordable and accessible for veterans and their families.

Conclusion

Obtaining your VA Certificate of Eligibility is the first step towards securing a VA home loan and achieving your dream of homeownership. Whether you choose to apply online, by mail, or with our assistance, New Horizons Lending is here to support you every step of the way. Reach out to us today, and let's get started on your journey to a new home in the great state of Texas!

Remember, at New Horizons Lending, we’re committed to serving those who have served. Your path to homeownership starts here.