Unlock your VA home loan benefits instantly with one document. Your Certificate of Eligibility (COE) isn’t just paperwork—it’s your gateway to buying a home with zero down, no PMI, and veteran-friendly rates. But how do you get it fast in 2025?

In this guide, discover how to secure your COE in under 48 hours, avoid delays, and understand what lenders need from you. Whether you're active-duty, retired, or a surviving spouse, we break down the process step-by-step.

How Fast Can You Get Your COE?

Key Takeaways

• The VA does NOT have a minimum credit score requirement. Any number you're shown is a lender overlay.
  
• Your COE confirms your eligibility for a VA-backed mortgage—it’s the first document lenders will request.
  
• You can apply for a COE online, through a VA-approved lender, or by mail (though mail is the slowest method).
  
• Service requirements vary based on whether you're active duty, National Guard/Reserve, or a surviving spouse.
  
• Lenders like Be My Neighbor Mortgage can often get your COE within 24–48 hours—at no cost to you.

Is a VA Loan Worth It in 2025?

Absolutely. With rising interest rates and tight housing markets, VA loans remain one of the most powerful tools for veterans.

Why it’s a top choice:

• No down payment
• No PMI
• Competitive rates
• Easier credit qualification

Compare with conventional options here: VA Loan vs. Conventional

What Is a VA Certificate of Eligibility (COE)?

A COE is an official document from the U.S. Department of Veterans Affairs (VA) that verifies you meet the minimum service requirements for a VA home loan. It doesn’t guarantee loan approval—but it’s your golden key to start the process.

You’ll need it to:

• Access zero-down financing
  
• Skip monthly private mortgage insurance (PMI)
  
• Get competitive interest rates thanks to the VA guarantee
  

Pro Tip: Lenders cannot issue a VA loan without verifying your COE, so it’s best to secure this early.

Learn more in our detailed breakdown: VA Loan Eligibility

3 Fastest Ways to Get Your COE in 2025

1. Apply Online via the VA eBenefits Portal (Fastest)

• Go to VA.gov
  
• Log into your eBenefits account
  
• Select “Request a Certificate of Eligibility”
  
• Enter your service details and submit
  

Processing Time: Instant to 24 hours
Best for: Tech-savvy veterans who want to DIY quickly

2. Have a VA-Approved Lender Request It for You (Easiest)

Most VA lenders—like Be My Neighbor Mortgage—can access the VA’s Web LGY system and request your COE electronically. All you’ll need to provide is basic service info or discharge paperwork (DD214).

Processing Time: 24–48 hours
Best for: Anyone who prefers help navigating the process

3. Apply by Mail (Slowest Method)

If you’re unable to apply online or through a lender:

• Complete VA Form 26-1880
  
• Mail it to your nearest VA Loan Eligibility Center
  

Processing Time: 4–6 weeks
Mailing Address: Varies by state—find it on VA.gov

This method is typically only used if digital options aren’t available.

Do You Qualify for a VA COE?

Eligibility is based on your military service history. Here’s a breakdown:

(Source: VA Lender’s Handbook, Chapter 2)

You may also need:

• DD214 (for separated service members)
  
• Statement of Service (for active-duty or current Guard/Reserve)
  
• Marriage certificate and veteran’s death certificate (for surviving spouses)
  

How Long Does It Take to Get a COE?

Next Steps: Use Your COE to Start the VA Loan Process

Step 1: Secure your COE using one of the methods above
Step 2: Connect with a VA-approved lender to review your loan options
Step 3: Compare interest rates, get pre-approved, and start house hunting
Step 4: Understand what you’ll pay at closing—yes, VA loans still have costs. Here's what to expect.

Need help getting started? Be My Neighbor Mortgage specializes in guiding veterans through every step—COE included.

FAQs

What are the service requirements for a VA loan?

Veterans/Active Duty: 90 days wartime or 181 days peacetime.
Guard/Reserve: 6 years or 90+ days active duty.
Spouses: Eligible if veteran died in service or due to service-related causes.

Can I apply for a VA loan before I get my COE?

Yes, but your loan can’t be finalized without it. Applying early prevents approval delays.

Is the COE free?

Yes, it’s always free whether you apply online, through a lender, or by mail.

What if I already used my VA loan benefits?

You may have remaining entitlement, or you can apply to restore entitlement after selling or refinancing.

Do COEs expire?

No, COEs don’t expire, but lenders may ask for updated documents if your service status changed.

Conclusion

1. Apply for your COE now—choose the fastest option.
2. Get pre-approved with Be My Neighbor Mortgage
3. Understand what you’ll pay at closing (yes, there are some costs)
4. Start house hunting with your VA loan advantage

Explore more: VA Loan Benefits