A certificate of eligibility (COE) demonstrates to your lender that you’re entitled to VA home loan benefits.
It’s straightforward to obtain via the VA’s website. Veterans will need to upload their DD214 form. If you’re still serving, you’ll need a statement of your military service signed by your “adjutant, personnel office, or commander of the unit of higher headquarters.”
However, it’s easier to get your lender to do this for you. If you provide your DD214 or statement of service, then the lender can get your COE directly from the VA on your behalf.