Determine if you are eligible for VA home loan benefits.
You can apply for a VA loan with any mortgage lender that participates in the VA home loan program. At some point, you will need to get a Certificate of Eligibility from VA to prove to the lender that you are eligible for a VA loan
To request a Certificate of Eligibility for VA home loan benefits, you must complete VA Form 26-1880 and submit it to our VA Eligibility Center along with acceptable proof of service as described on the instruction page of the form.
How to request a Certificate of Eligibility for VA Home Loan Benefits
To request a Certificate of Eligibility for VA home loan benefits, you must complete VA Form 26-1880 and submit it to our VA Eligibility Center along with acceptable proof of service as described on the instruction page of the form.
Complete a VA Form 26-1880, Request for a Certificate of Eligibility: You can apply for a Certificate of Eligibility by submitting a completed VA Form 26-1880, Request For A Certificate of Eligibility For Home Loan Benefits, to the Winston-Salem Eligibility Center, along with proof of military service. In some cases it may be possible for VA to establish eligibility without your proof of service. However, to avoid any possible delays, it's best to provide such evidence.
VA-guaranteed home loans are made by banks and mortgage companies to veterans, service members and reservists. With VA guaranteeing a portion of the loan, veterans can receive a competitive interest rate without making a down payment, making it easier to buy a home.
Effective January 1, 2006, changes in the loan guaranty limits will mean veterans are able to get no-down payment loans up to $417,000. The previous ceiling was $359,650.
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