Certificate of Eligibility & Form DD214

How to Access

A VA Certificate of Eligibility (“VA COE”) is required for a VA home loan. Veterans must prove they are eligible for a VA home loan. A VA Certificate of Eligibility provides that proof. The document shows how much and what type of VA loan eligibility the veteran has.


A VA COE is typically requested by the veteran. In order for AZF to request a VA COE, we will need a copy of the veteran’s form DD214. 


VA COE – Lender Requested

An Arizona VA lender uses VA form DD214 to request a COE with the VA. Using the information on the DD214, the lender requests an updated COE. Then, an Arizona VA Lender receives a copy of the Veteran’s COE. 30% to 50% of the time the COE is delivered instantly to the lender electronically. The remaining 50% to 70% of COE requests are processed manually by the VA. Manual COE orders can take up to 2 weeks. 


II. VA COE – Veteran Requested

Veterans may also request an updated a COE using VA Form 26-1880. Unmarried Surviving spouses must apply manually for a COE using VA Form 26-1817. Manual COE requests using both Form 26-1880 or Form 26-1817 need to be mailed to:


VA Loan Eligibility Center

Attn: COE (262) PO Box 100034

Decatur, GA 30031


Veterans can call VA’s eligibility center at 888-768-2132 with any questions. 

Who is Eligible for a VA Mortgage?


The following are all eligible for an Arizona VA Home Loan:


  • Veterans
  • Active duty personnel
  • Reservists / National Guard members
  • Some surviving spouse

VA has rules including how long a veteran must have served in order to be eligible for a VA home loan. Learn more from this helpful chart provided by the VA. Verifying VA home loan eligibility is the first step in the VA home loan process. 


Call AZ Financial, LLC today at 480-787-5777 for more information.