Mortgage Glossary
Certificate of Eligibility
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
A Certificate of Eligibility, or COE, is the document that proves a veteran or service member qualifies for a VA home loan.
What Certificate of Eligibility means
The COE confirms the borrower's entitlement based on service history and shows how much VA-backed financing is available. Lenders usually pull it electronically in minutes. It is required before a VA loan can close.
Florida example
A veteran in Jacksonville obtained a Certificate of Eligibility showing full entitlement, allowing a zero-down VA purchase with no loan limit cap.
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