How to get a VA COE, what it shows, and why we pull it early. From The 2 Mortgage Guys at Luminate Bank in Kokomo, lending nationwide.
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VA Loans
Certificate of Eligibility
Your COE is the VA’s proof that you have earned the home loan benefit — including remaining entitlement and whether the funding fee is waived. Here is what it shows and how we get it for you.
Underwriters read more than “eligible.” These fields drive your loan structure.
Most veterans never need to fight VA.gov alone. We request the COE through the lender portal once you start pre-approval.
Have these ready if your discharge was years ago or under a prior name.
Both matter — they answer different questions.
Related guides to help you compare options and move toward pre-approval.
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Ryan & Steve will request your Certificate of Eligibility, read the entitlement lines with you, and get you pre-approved so you can shop with confidence.