VA Loan Certificate Of Eligibility

The Certificate of Eligibility from the VA is one of the most important required document that will be needed when either doing a new VA loan or refinancing one.

VA determines your eligibility and, if qualified, a certificate of eligibility will be issued. Eligibility applications can involve:

• An original determination of eligibility for the home loan benefit
• A request to replace a lost certificate of eligibility
• A request for restoration of the benefit after payment in full of a previous VA home loan
• Issuance of a certificate reflecting a current outstanding loan for refinance purposes

Requesting  your certificate:

We can obtain a Certificate of Eligibility for you by using ACE (Automated Certificate of Eligibility). ACE is a web-based application that is able to determine eligibility and issue an online Certificate of Eligibility in a matter of seconds. 

Not all cases can be processed through ACE. If there is insufficient data in their records, the certificate will have to be requested from VA, which we can do online for you. We would need a couple of documents from you.

If you were separated after January 1, 1950, the appropriate documentation of your military service would be DD Form 214, Certificate of Release or Discharge from Active Duty. If you were discharged after October 1, 1979, DD Form 214, copy 4 would be appropriate. A photocopy of DD214 will suffice. Do not submit an original document.

If your service was in Selected Reserves

If you served in the Selected Reserve you must provide documentation sufficient to establish that you served a minimum of 6 years with points earned for weekend drills or active duty for training and received an honorable discharge. Since there is no uniform document similar to DD214 for proof of service in the Selected Reserve, a number of different forms may be accepted.

For those who served in the Army or Air National Guard and were discharged after at least 6 years of service, NGB Form 22 may be sufficient.

Those who served in the Army, Navy, Air Force, Marine Corps or Coast Guard Reserves may need to relay on a variety of forms. Often it will be necessary to submit a combination of documents such as an Honorable Discharge certificate together with a Retirement Points Statement.

If you remain on active duty

If you are now on regular active duty and have not been previously discharged from active duty service, you must submit a statement of service which includes the name of the issuing authority (base or command), and is signed by or at the direction of an appropriate official. The statement must identify you (SSN), and provide your date of entry on active duty and the duration at any time lost. If you remain on active Selected Reserve duty, the statement of service should be from your unit CO and should cite the length of time you have served with the reserve unit.

If you remain on active duty

If you are seeking restoration of your previously used benefit, you should include any evidence of payment in full of your prior loan (copy of HUD-1, settlement statement for example) that you have in your possession. Normally VA receives notification that a loan has been paid, but this does not always happen. VA determines your eligibility and, if you are qualified, VA will issue you a certificate of eligibility to be used in applying for a VA loan.

To speak with a VA home loan specialist call
210-656-1134 or
Apply Online Now!

Find out how much you qualify for with No Cost, No Credit Check, and No Obligation!