Get Your VA Certificate of Eligibility Fast (2025 Guide) | reAlpha Mortgage

Unlock your VA home loan benefits instantly with one document. Your Certificate of Eligibility (COE) isn’t just paperwork—it’s your gateway to buying a home with zero down, no PMI, and veteran-friendly rates. But how do you get it fast in 2025?

In this guide, discover how to secure your COE in under 48 hours, avoid delays, and understand what lenders need from you. Whether you're active-duty, retired, or a surviving spouse, we break down the process step-by-step.

• The VA does NOT have a minimum credit score requirement. Any number you're shown is a lender overlay.
• Your COE confirms your eligibility for a VA-backed mortgage—it’s the first document lenders will request.
• You can apply for a COE online, through a VA-approved lender, or by mail (though mail is the slowest method).
• Service requirements vary based on whether you're active duty, National Guard/Reserve, or a surviving spouse.
• Lenders like reAlpha Mortgage can often get your COE within 24–48 hours—at no cost to you.

Absolutely. With rising interest rates and tight housing markets, VA loans remain one of the most powerful tools for veterans.

Why it’s a top choice:

• No down payment
• No PMI
• Competitive rates
• Easier credit qualification

Compare with conventional options here: VA Loan vs. Conventional

A COE is an official document from the U.S. Department of Veterans Affairs (VA) that verifies you meet the minimum service requirements for a VA home loan. It doesn’t guarantee loan approval—but it’s your golden key to start the process.

You’ll need it to:

• Access zero-down financing
• Skip monthly private mortgage insurance (PMI)
• Get competitive interest rates thanks to the VA guarantee

Pro Tip: Lenders cannot issue a VA loan without verifying your COE, so it’s best to secure this early.

Learn more in our detailed breakdown : VA Loan Eligibility

• Go to VA.gov
• Log into your eBenefits account
• Select “Request a Certificate of Eligibility”
• Enter your service details and submit

Processing Time: Instant to 24 hours Best for: Tech-savvy veterans who want to DIY quickly

Most VA lenders—like reAlpha Mortgage—can access the VA’s Web LGY system and request your COE electronically. All you’ll need to provide is basic service info or discharge paperwork (DD214).

Processing Time: 24–48 hours Best for: Anyone who prefers help navigating the process

If you’re unable to apply online or through a lender:

• Complete VA Form 26-1880
• Mail it to your nearest VA Loan Eligibility Center

Processing Time: 4–6 weeks Mailing Address: Varies by state—find it on VA.gov

This method is typically only used if digital options aren’t available.

Find the Perfect Mortgage for Your Dream Home with reAlpha Mortgage.

Compare options, calculate payments, and get expert guidance - all in one place.

Check if you qualify

Eligibility is based on your military service history. Here’s a breakdown:

(Source: VA Lender’s Handbook, Chapter 2)

You may also need:

• DD214 (for separated service members)
• Statement of Service (for active-duty or current Guard/Reserve)
• Marriage certificate and veteran’s death certificate (for surviving spouses)

Step 1: Secure your COE using one of the methods above

Step 2: Connect with a VA-approved lender to review your loan options

Step 3: Compare interest rates, get pre-approved, and start house hunting

Step 4: Understand what you’ll pay at closing—yes, VA loans still have costs. Here's what to expect.

Need help getting started? reAlpha Mortgage specializes in guiding veterans through every step—COE included.

Veterans/Active Duty: 90 days wartime or 181 days peacetime. Guard/Reserve: 6 years or 90+ days active duty. Spouses: Eligible if veteran died in service or due to service-related causes.

Yes, but your loan can’t be finalized without it. Applying early prevents approval delays.

Yes, it’s always free whether you apply online, through a lender, or by mail.

You may have remaining entitlement, or you can apply to restore entitlement after selling or refinancing.

No, COEs don’t expire, but lenders may ask for updated documents if your service status changed.

Getting your VA Certificate of Eligibility is just the beginning. But here’s where it gets even better — buying your home with reAlpha Mortgage could save you thousands at the closing table.

We offer up to 75% of your buyer agent’s commission back — that’s real cash in your pocket for inspections, upgrades, or even your first mortgage payment. Here’s how it stacks up:

✅ 25% rebate when you buy with a reAlpha agent

✅ 50% total when you also use reAlpha Mortgage

✅ Full 75% rebate when you bundle with our Title partner

Your VA benefits already give you a head start. We just help you cross the finish line smarter.

Start your savings journey at reAlpha Mortgage →

Find the Perfect Mortgage for Your Dream Home with reAlpha Mortgage.

Compare options, calculate payments, and get expert guidance - all in one place.

Check if you qualify