Examples of VA required docs

A VA Certificate of Eligibility (COE) confirms to your lender that you meet the military service requirements for a VA home loan benefit. Obtaining your COE is an important early step when purchasing or refinancing with a VA loan.

AZ Financial may be able to obtain your COE for you. Most VA lenders have access to the VA's WebLGY system, which can electronically verify eligibility and, in many cases, issue a COE quickly. Some cases require additional documentation or VA review.

What documents may be needed?

• Veterans: A copy of your discharge or separation papers (DD214) may be required.
• Active-duty service members: A current Statement of Service may be required.
• National Guard or Reserve members: Documentation requirements vary depending on service and activation history.
• Surviving spouses: Additional VA forms and supporting documentation may be required.

You can request a VA Certificate of Eligibility in three ways:

1. Through your lender – AZ Financial can assist with requesting your COE as part of the VA loan process.
2. Online through VA.gov – Eligible borrowers can request their COE directly from the Department of Veterans Affairs.
3. By mail –  Eligible borrowers may also request a COE using VA Form 26-1880 by following the current submission instructions provided by the Department of Veterans Affairs. 

A Certificate of Eligibility establishes your VA home loan eligibility based on your service history. It does not by itself guarantee loan approval. You must also meet credit, income, occupancy, property, underwriting, and other applicable loan requirements.

 Who May Qualify for a VA Home Loan? 

VA home loan eligibility is generally based on military service history, duty status, length of service, and character of service. Veterans, active-duty service members, certain National Guard and Reserve members, and certain surviving spouses may qualify.

Eligibility requirements vary based on when and how you served. The Department of Veterans Affairs makes the final determination of VA home loan eligibility.

Need Help Obtaining Your VA COE? 

If you're considering a VA home loan in Arizona, AZ Financial can help you determine what documentation you may need and assist with requesting your Certificate of Eligibility as part of the mortgage process. 

Call AZ Financial today at 480-787-5777 for more information.  GET STARTED WITH YOUR VA LOAN 

Official VA Certificate of Eligibility Information: 

U.S. Department of Veterans Affairs – VA COE Information