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Mortgage Glossary

Certificate of Eligibility

Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker

A certificate of eligibility proves you qualify for a VA loan. It is known as the COE. It shows your service meets the VA rules.

What Certificate of Eligibility means

You need the COE to use your VA home loan perk. Your lender can often pull it in just minutes. It is a quick first step.

Florida example

A Florida veteran gives us their service dates. We request the COE for them. Then the VA loan starts to move.

What it is

A certificate of eligibility, or COE, proves you qualify for a VA loan. It confirms your service meets the VA's requirements.

You need it to use your VA benefit.

How to get one

We can help you request your COE quickly through the VA. It is a simple but required first step.

We handle VA paperwork every day. Apply now and we will get your COE and put your benefit to work.

Related program: Learn more →

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Official resources

Verify the details for your own situation against these government and agency sources: VA home loan eligibility and Florida Housing Hometown Heroes.

Related Mortgage Terms

Certificate of OccupancyA certificate of occupancy confirms a home is safe and legal to live in. New construction needs one before move-in. The city issues it.Chain of TitleChain of title is the chronological record of every owner of a property from the earliest record to the present.ChattelChattel is movable personal property, as opposed to real estate. A chattel loan finances movable items like a manufactured home not attached to owned land.
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