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What Is a VA Certificate of Eligibility and How Does It Work for Home Loans?

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A VA Certificate of Eligibility, or COE, is a document that proves you meet the service requirements for a VA-backed home loan. Lenders use it to verify your eligibility for no-down-payment financing and other benefits. You can get one online through the VA's eBenefits portal, by mail, or with your lender's help. Once your lender has the COE, they can proceed with underwriting a loan that VA guarantees, making homeownership more accessible for veterans.