Find out if you qualify in just a few clicks.
Military & Veteran Homebuyer Resource
Mission: Homeownership for Military Families
Navigating the path to homeownership with a VA loan? We’re here to guide you every step of the way.
How to Request a Certificate of Eligibility
Before you can apply for a VA-backed loan, you’ll need a Certificate of Eligibility (COE). This document proves to lenders that you qualify for VA home loan benefits based on your service or status as a surviving spouse. Here’s how to prepare, apply, and move forward confidently.
| Who You Are | What You’ll Need |
|---|---|
| Veteran | Copy of your discharge or separation papers (DD214) |
| Active-Duty Service Member | Statement of service signed by your commander, including:
|
| National Guard or Reserve (Activated) |
|
| National Guard or Reserve (Never Activated) |
|
| Surviving Spouse | If receiving DIC:
If not receiving DIC:
|
Why Use a VA Loan
Here are the most common reasons veterans and active-duty service members choose a VA loan:
-
You want to buy a home with no down payment
-
You’re looking for lower monthly payments without private mortgage insurance
-
You’ve served in the military and want to use your hard-earned benefits
-
You’ve had difficulty qualifying for a conventional mortgage
-
You’re relocating due to PCS or transitioning to civilian life
-
You want better terms after refinancing out of an FHA or conventional loan
Three Ways to Apply
Online
Use the VA eBenefits Portal
Through Your Lender
Ask if they can submit through Web LGY
By Mail (This may take longer)
Fill out VA Form 26-1880 and send it to your Regional Loan Center
Benefits of VA Home Loans
VA loans offer powerful benefits that help military families build long-term wealth.
-
No down payment required
-
No private mortgage insurance (PMI)
-
Competitive interest rates
-
Flexible credit requirements
-
Lower closing costs
-
Multiple uses: purchase, refinance, or adapt a home for service-related disability
Four Common Paths to VA Homeownership
VA Purchase Loan
Buy a home with zero down and no PMI. Ideal for first-time buyers or those re-entering the market after service.
VA Cash-Out Refinance
Refinance up to 100% of your home’s value and access cash for upgrades, debt, or emergencies.
VA Interest Rate Reduction Refinance Loan (IRRRL)
Lower your rate or monthly payment on an existing VA loan with minimal paperwork and no appraisal in most cases.
VA Renovation Loan
Combine the purchase price and home improvement costs into a single loan—perfect for fixing up a property.
Heather Frye
Area Leader // NMLS #213439
With over two decades in the mortgage and real estate industry, I’ve helped thousands of families, investors, and first time homebuyers turn their dreams into reality. For me this business isn’t just about loans, it’s about helping people build wealth, create stability and unlock financial freedom through smart real estate decisions.
I joined the mortgage industry in 1998 and bought my first home as a single mom in 2007. Fast forward to today – I manage a growing portfolio of investment properties, work as a licensed mortgage and real estate professional, and help clients like you navigate the ever-changing world of home financing.
When I am not securing the best loan solutions, you’ll find me balancing life as a working mom of three, managing our family businesses with my husband (fxbgprint.com) or outdoors with our dogs, goats and pigs. I believe in straight talk, smart strategies and building relationships that last far beyond the closing table.
Let’s make your next move the right one – together.
Licensed in 11 states: VA, MD, DC, WV, TN, PA, NC, SC, FL, TX, CA
Apply Now
