Eligibility for VA loans is service-based and proven through a Certificate of Eligibility (CoE) from the U.S. Department of Veterans Affairs. The VA evaluates eligibility based on your service status, your years of service, and your service record. You may meet eligibility requirements if you are: A current active-duty military service member, A military veteran, or The spouse of a service member, including a surviving spouse Detailed guidelines are available on the VA’s website. A CoE isn’t required to apply for a VA loan but it will be needed for approval. We can help you apply for your CoE or you can apply for it directly.