VA Home Loan – Your Eligibility COE

Arizona VA Mortgage Eligibility

One of the most important and first steps an Arizona veteran home buyer must take is to confirm that they are in fact eligible for a VA home loan.   In short, a veteran’s VA mortgage eligibility is documented on a from the VA calls a “Certificate Of Eligibility” or “COE” for short.   The COE can be ordered by the veteran themselves OR by their Arizona Mortgage Lender.

Who is Eligible for a VA Mortgage?

There are 4 main categories of VA Eligible borrowers:

  • Veterans
  • Active duty personnel
  • Reservists/National Guard members
  • Some surviving spouses

Each of these different categories of VA eligible individuals must follow a slightly different process for documenting their eligibility.  The VA has provided a nice easy to follow chart that outlines what each different type of VA loan applicant must do to verify their AZ VA Mortgage eligibility.  Learn more

VA COE Orders Made Easy with “ACE”

VA has jumped into the 21st century with the creation of their online certificate of eligibility ordering system called “ACE.”   ACE (which is short for Automated Certificate of Eligibility system) was announced/released in June of 2012 – Learn more.   While VA’s ACE system makes ordering a COE a snap it is not quite perfect.   You see, Arizona VA Mortgage Lenders are only successful 30% to 50% of the time when using the ACE system.   The remaining 50% to 70% of VA certificate of eligibility orders require manual processing and can take up to a couple of weeks to complete.

Once the veteran’s lender has the COE in hand they can determine if the VA loan applicant is in fact eligible for an AZ VA Mortgage.   Full and acceptable VA eligibility will be reflected as $36,000 in entitlement on the Veteran’s Certificate of Eligibility.  If a Veteran’s entitlement shows up as less than $36,000 on their Certificate of Eligibility they may still qualify using their BONUS ENTITLEMENT.  If you are interested in ordering your own VA Certificate of Eligibility Learn more here.  Processing may take 0 – 2 weeks.  If you have any other questions related to your VA home loan eligibility please call or email me today.

By Jeremy House



  1. […] VA home loan must be accompanied by a VA COE.  VA Certificates of Eligibility are processed either manually or automatically.   Typically, a […]

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