VA Home Loan Guarantee
VA offers home loan guarantees for eligible veterans that may
result in lower interest rates, loan origination and closing costs.
THIS IS NOT A LOAN, BUT A GUARANTEE. The veteran is required
to submit a "Certificate of Eligibility" issued by the VA to
the lending institution of their choice to verify eligibility for the
loan guarantee. You can get a Certificate of Eligibility known as COE
in any of three ways:
A. Apply online.
To get your Certificate of Eligibility known
as COE online, please go to the eBenefits portal
. If you already have
login credentials, click the Login box, and if you need login
credentials, please click the Register box and follow the directions
on the screen. If you need any assistance, please call the eBenefits
Help Desk at 1-800-983-0937.
B. Apply by mail. Use VA Form 26-1880. Return it to the
address shown on the form. If you can't print the form, just call
1-888-768-2132 and follow the prompts for Eligibility. The form will
be mailed to you. You can also get the form off the Internet using Google.
C. Apply through the lender. In many cases, lenders can obtain
a certificate online in minutes.
Once you receive the Certificate of Eligibility, take it to the
lender, bank, credit union, etc., that you are trying to secure a loan
from and tell them you want to get a home loan using the VA's Home
Loan Guaranty program.
For a complete discussion about and information on the VA Home
Loan program, visit the VA Home Loan website at www.homeloans.va.gov
. In addition, you may
call the Houston Regional Loan Center at 888-232-2571 or 888-827-3702
or the VA Loan Guaranty Customer Service Office at 888-244-6711 for