Click To View Links

How Can I Get a VA Certificate of Eligibility?

What are the advantages of the VA Certificate of Eligibility?

Veterans who have served their country well have an advantage over the rest of the citizens and rightfully so.

They can receive inexpensive financing for a home using the VA home loan program.

However, not every veteran understands how to go about obtaining this type of loan. The first step in applying for the program is obtaining a VA home loan certificate.

If you think you are ready, be sure to get a lender who is familiar with working with this mortgage option.

With so many lenders to choose from, you want to be sure and select the right one. Click here to get some quotes.

This eligibility certificate will be all the proof that is needed to give a participating lender and secure the loan at a greatly reduced rate.

If you don’t have a VA home loan certificate and you are a veteran, fill in Form 26-1880. You then submit the form to the Eligibility Center located at P.O. Box 20729, Winston-Salem, NC 27120.

Here are some facts you need to know about the VA home loan certificate.

VA Home Loans Eligibility Requirements

va certificate of eligibility

Veterans who have served the United States in the military are automatically eligible for this certificate, but they have to apply for it.

Because the database that handles such certificates are not always up to date, so it is useful to fill out a formal request to obtain this certificate.

Once this form has been processed, the veteran will receive the VA home loan certificate they need to get the necessary funds for purchasing a home. 

VA Certificate of Eligibility or Loan Entitlement

Veterans may be eligible for receiving a VA home loan due to their service, but it can only be applied when everything else is in order. That means that you have to qualify for a loan in the same manner as anyone else does.

Your income and other financial information such as current employment must provide information that you are capable of making the monthly payments on your mortgage.

VA Home Loan Certificate Advantages

Veterans who qualify for a VA home loan program will enjoy the advantage of not being required to have a down payment when they purchase real property. With a VA certificate of eligibility, you are also eligible for getting refinancing on a home that you are already living in.

Along with that, since the lenders have a guarantee from the federal government on the loan, there is no requirement for the purchaser to pay for private mortgage insurance, which is an added benefit when using a VA home loan certificate. 

All in all, the program has a lot of benefits for a qualified veteran. So don't hesitate to check it out. Want to see if you are eligible for a VA Loan? Click here to find out.

If you need help estimating your mortgage closing costs, check out this FREE closing costs calculator by clicking here.

Want to Learn More?

Would you like to fill out the VA Form 26-1880? Click here to fill one out (be sure to type in 26-1880 to see a copy of the form).

Do you have more questions? Here's a cool place to ask your questions through the Online VA Home Loan Questions forum.


Leave VA Certificate of Eligibility and return to Home Mortgage Information main page.

Go to House Buyer Solutions Home Page.

New Jersey Grants

Click on Image to Learn More

South Carolina Grants

Click on Image to Learn More

Recent Articles

  1. Mississippi Real Estate Agents

    Sep 25, 17 06:00 PM

    Looking for Mississippi Real Estate Agents? Find the best MS Real Estate Agents and Brokers listed here in this FREE directory.

    Read More

  2. Billy Byrd - Walker Realty & Land Co.- Hernando/ Oxford

    Sep 25, 17 05:56 PM

    If you are looking for someone who will look out for your best interests, Billy is the Realtor for you! Billy will look out for you by putting his extensive

    Read More

  3. Colorado First Time Home Buyer Grants | Programs | Down Payment Assistance

    Sep 18, 17 05:14 PM

    Probing for Colorado first time home buyer grants available to purchase a home? Find the best grants or programs for home buying in Colorado on this page.

    Read More

Buyer Programs

fha loans

The FHA Loan Products

Home Buyer Grants

zero down home loans

Zero Down Home Loans


Follow Us On Twitter

follow me on twitter