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If you’re not receiving DIC benefits,皇家棋牌 you’ll need to send us all of these:

  • A completed Application for DIC, Death Pension and/or Accrued Benefits (VA Form 21P-534EZ), and
  • A copy of your marriage license, and
  • The Veteran’s death certificate


Find out if you qualify for home loan benefits

Find out how to apply for a COE as a surviving spouse

How do I apply for my COE?

You can apply online right now.

You can also apply:

Through our Web LGY system

In some cases, you can get your COE through your lender using our Web LGY system. Ask your lender about this option.

By mail

To apply by mail, fill out a Request for a Certificate of Eligibility (VA Form 26-1880) and mail it to the address listed on the form. Please keep in mind that this may take longer than applying online or through our Web LGY system.

Next steps for getting a VA direct or VA-backed home loan

Applying for your COE is only one part of the process for getting a VA direct or VA-backed home loan. Your next steps will depend on the type of loan you’re looking to get—and on your lender (for most loans, the lender will be a private bank or mortgage company; for the Native American Direct Loan, we’ll be your lender).

The lender will request a VA appraisal (assessment) of the house. An appraisal estimates the house’s market value at the time of inspection. An appraisal isn't a home inspection or a guaranty of value. 

The lender reviews the appraisal and your credit and income information and decides if they should accept your loan application. 

If they decide to accept your application, the lender will work with you to select a title company (or other entity) to close (transfer ownership) on the house.

What if I have questions about the loan process?

If you have any questions that your lender can’t answer, please call your VA regional loan center at 877-827-3702. We’re here Monday through Friday, 8:00 a.m. to 6:00 p.m. ET.

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