If your lender can't automatically obtain your Certificate of Eligibility, it could be from a few reasons that may include: Service members who had a prior VA loan go into foreclosure. Service members who were discharged under conditions other than honorable. Some Reservists and National Guard members. Unmarried surviving spouses. Don't panic if you fall into this group. It occasionally happens, and VA-savvy lenders typically know how to handle it. In these cases, your lender will typically ask for your DD-214 or points statement and send it directly to the VA for evaluation.