Inquiry Routing & Information System (IRIS)
How do I obtain a VA Home Loan Certificate of Eligibility or a duplicate of a certificate?
The certificate of eligibility (COE) does not expire; however, you may obtain an updated copy of your COE through the following methods:
To get your Certificate of Eligibility (COE) online, please go to the eBenefits portal. If you already have login credentials, click the Login box, and if you need login credentials, please click the Register box and follow the directions on the screen. If you need any assistance please call the eBenefits Help Desk at 1-800-983-0937. Their hours are Monday-Friday, 8am to 8pm EST.
Apply through your lender
Most lenders have access to the Web LGY system. This Internet-based application can establish eligibility and issue an online COE in a matter of seconds. Not all cases can be processed through
WebLGY - only those for which VA has sufficient data in our records. However, Veterans are encouraged to ask their lenders about this method of obtaining a certificate.
Apply by mail
You can send your application to your Regional Loan Center (RLC) of Jurisdiction. You can call them and speak with someone about retrieving it or mail to their address. The web link is below: http://www.benefits.va.gov/homeloans/contact_rlc_info.asp
Spouses must apply by mail using VA Form 26-1817, Request for Determination of Loan Guaranty Eligibility - Unmarried Surviving Spouses. If your Veteran spouse died after service, VA must determine that the death was due to a service-connected disability. Please allow 2-3 months for this process unless you know that the decision on service-connected death has already been made.
If you can't print the form, call 1-877-827-3702 and follow the prompts for Eligibility and we will mail the form to you.
Send the completed form to the RLC of Jurisdiction, as listed on the form.