February 3, 2026
8 minutes
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.
How Fast Can You Get Your COE?
Method | Processing Time | Ease | Ideal For |
|---|---|---|---|
Online (eBenefits) | Instant–24 hrs | ⭐⭐⭐⭐⭐ | Tech-savvy applicants |
Through Lender | 24–48 hrs | ⭐⭐⭐⭐⭐ | Anyone wanting expert help |
| By Mail | 4–6 weeks | ⭐ | Offline-only access |
Key Takeaways
- 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.
Get Pre-Qualified and Save Up to 1.5% at Closing with reAlpha
Save up to 1.5% at closing when you combine real estate and mortgage services with reAlpha.
Is a VA Loan Worth It in 2025?
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
What Is a VA Certificate of Eligibility (COE)?
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
3 Fastest Ways to Get Your COE in 2025
1. Apply Online via the VA eBenefits Portal (Fastest)
- 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
2. Have a VA-Approved Lender Request It for You (Easiest)
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
3. Apply by Mail (Slowest Method)
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.
Veterans Can Save Up to 1.5% at Closing with reAlpha
Save up to 1.5% on your purchase price by using reAlpha Realty and Mortgage together.
Do You Qualify for a VA COE?
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)
How Long Does It Take to Get a COE?
| Method | Processing Time | Recommended? |
|---|---|---|
| Online (eBenefits) | Instant – 24 hours | ✅ Fastest |
| Through Lender | 24 – 48 hours | ✅ Easy + expert help |
| By Mail | 4 – 6 weeks | ❌ Too slow unless necessary |
Next Steps: Use Your COE to Start the VA Loan Process
- 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.
FAQs
What are the service requirements for a VA loan?
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.
Can I apply for a VA loan before I get my COE?
Yes, but your loan can’t be finalized without it. Applying early prevents approval delays.
Is the COE free?
Yes, it’s always free whether you apply online, through a lender, or by mail.
What if I already used my VA loan benefits?
You may have remaining entitlement, or you can apply to restore entitlement after selling or refinancing.
Do COEs expire?
No, COEs don’t expire, but lenders may ask for updated documents if your service status changed.
Conclusion
Buying a home is a big decision - and having the right information puts you ahead. But the real advantage comes from pairing smart research with a smarter way to buy.
When you use a reAlpha real estate company, you can be eligible to receive up to 1% of the home purchase price back as a credit at closing. Add reAlpha Mortgage, and that rebate can increase to up to 1.5% back, helping offset closing costs and keep more money in your pocket when it matters most.
The rebate is simple, transparent, and applied directly at closing - no complicated hoops, no delayed payouts. Just real savings tied to using a fully integrated homebuying experience.
See how much you could save:
- Check your eligibility
- Explore homes that fit your budget today.
- Your next move could come with thousands back at closing.
Estimate your savings → Rebate Calculator
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Article by
Rocky Billore is a mortgage industry leader and Chief Sales Officer with over two decades of experience across residential and commercial lending. Since entering the industry in 2004, he has been directly involved in funding more than $1.4 billion in loans. A recognized expert in VA and government lending, Rocky combines deep program knowledge with a data driven, relationship-first leadership style. His work focuses on building scalable sales organizations, developing high performing teams, and aligning technology with real world lending outcomes to improve the homeownership experience.