Three ways to get your COE
- Through your lender (fastest). Lenders use VA's system to request it, and when VA already has your records it often comes back in minutes. We do this for you when you start your application.
- Online at VA.gov. Request it with your login; in many cases VA decides right away and you can download it.
- By mail with VA Form 26-1880, sent to the regional loan center listed on the form. This is the slowest.
What you may need, by status
| Your status | Document |
|---|---|
| Veteran | DD-214 showing character of service |
| Active duty | Statement of service signed by your commander, adjutant or personnel officer (name, SSN, date of birth, entry date, lost time, command) |
| Guard or Reserve, activated | DD-214 |
| Guard or Reserve, never activated, still serving | Statement of service with your creditable years |
| Guard, never activated, discharged | NGB Forms 22 and 23 |
| Surviving spouse receiving DIC | VA Form 26-1817 |
Tips
- Don't submit a second request while one is under review; it slows things down.
- Your COE shows your entitlement and whether you're exempt from the funding fee. See loan limits & entitlement.
- Guard and Reserve members: see our eligibility guide.
Sources: VA: How to request a COE · VA: Check COE status · VA: Purchase loan COE. Rules and amounts change; always confirm on the official site. Veteran Mortgage Guys is not a government agency or a VSO.
Common questions
How long does it take to get a VA COE?
Through a lender it's often minutes. When VA needs more documents, its goal is to respond within about 5 business days.
What form requests a VA home loan COE?
VA Form 26-1880, though most people get it online or through their lender instead.
Does my COE show if I pay the funding fee?
Yes. It shows whether you're exempt, for example if you receive VA disability compensation.
See your real numbers
Our free calculator uses 2026 pay tables, BAH by ZIP and VA residual income standards. About 2 minutes, no credit pull.
Educational information only, not a commitment to lend or a loan approval. VA guidelines and lender requirements change; your eligibility and terms depend on your full application, credit, income and VA entitlement.