Start with the Certificate of Eligibility

You know, there will come a day when we look back on the present and realize, probably with a degree of astonishment, how favorable the present truly [was] for buying a home. There will be those delighted with a new home and the satisfaction that they did everything they could to get their VA home mortgage loan. And there will be those without a home, sporting instead a healthy dose of regret.

The professionals at have made it simple for you to apply for your veteran’s home loan. Not only do they strive to provide some of the lowest rates in the business, they have a team of working professionals who can answer all of your questions and handle all the paperwork.

Start with your COE

Your VA mortgage loan begins with your Certificate of Eligibility (VA Form 26-1880).  You can download the form right from the website in the links section.  Obtaining your COE is the starting point, because even if you are already approved for a VA loan, without your COE form you cannot get a VA loan.  That’s because your COE is the VA’s way of proving to the lender that you have served sufficient time in the military and are eligible for a VA loan.

If you are the spouse of a veteran, you will apply using a different form (VA Form 26-1817). If your Veteran spouse died after service, VA must determine that the death was due to a service-connected disability. Allow 2-3 months for this process unless you know that the decision on service-connected death has already been made.

Your completed COE form goes to this address:

VA Loan Eligibility Center
Attn: COE (262)
PO Box 100034
Decatur, GA 30031

Online Resources Worth Knowing About

If you have not visited the eBenefits site the Department of Veteran’s Affairs has put together, it would be well worth your time. Not only will you find great information about obtaining your COE, you will also find additional information that you may not have thought to look into yet.

The VA has made it easy to get your COE online; simply go to the eBenefits portal at this link. If you already have login credentials, click the Login box. If you need login credentials, click the Register box and follow the directions on the screen. The eBenefits Help Desk toll-free number is 1-800-983-0937. They are open week days from 8am to 8pm EST.

The VA website has a lot of new content, much of it developed or updated in the last year. Here is a sampling of the information available:

  • Find out how the Affordable Care Act (ACA), also known as the health care law, affects your VA Health Care.
  • Explore thousands of programs and services at the national, state, and local levels.
  • Get Common Access Card (CAC) access to your VA and DOD benefits.
  • Get personal education advice and guidance with one-on-one guidance and support from the VA.

The time is right for you to apply for your veterans home loan. Take advantage of the time, the place, and the opportunity. It can all be handled quickly and easily from within this website.


© 2021 Low VA Rates, LLC™. All Rights Reserved. Low VA Rates, LLC ™ is not affiliated with any U.S. Government Agency nor do we represent any of them. Corporate Address: 384 South 400 West Suite 100, Lindon, UT 84042, 801-341-7000. VA ID 979752000 FHA ID 00206 Alaska Mortgage Broker/Lender License No. AK-1109426; Arizona Mortgage Banker License #0926340; California DBO Finance Lenders Law License #603L038; Licensed by the Delaware State Banking Commission License #018115; Georgia Residential Mortgage Licensee License #40217; Illinois Residential Mortgage License #MB.6761021; Licensed by the New Jersey Department of Banking and Insurance, Ohio Mortgage Loan Act Certificate of Registration #SM.501937.000; Oregon Mortgage Lending License # ML-5266; Rhode Island Licensed Mortgage Lender License #20143026LL; Texas License LOCATED at 201 S Lakeline Blvd., Ste 901, Cedar Park, TX 78613; EAH061020 NMLS ID# 1109426 Consumer NMLS Access Click on these links to access our Privacy Policy and our Licensing Information. Consumer's total finance charges may be higher over the life of the loan. Consumer NMLS Access - NMLS #1109426.

*Annual savings calculator based on 2015 monthly average savings extrapolated year-to-date.