Confirm your Certificate of Eligibility
Ask the lender to help confirm your Certificate of Eligibility, often called a COE. It verifies eligibility for the VA home loan program and helps identify available entitlement.
For Veterans and Service Members
Use your VA home loan benefit with a clear plan.
VA financing can be a powerful path to homeownership. Before you begin touring homes, get clear on your eligibility, your available entitlement and the costs that may apply to your specific loan.
VA homebuyer form
Tell me where you are in the process.
You do not need to choose a lender here. This helps Brittny connect you with the right next step.
What to know
Start with these VA loan questions.
A VA-approved lender confirms your options. Brittny helps you use that information to build a practical home search and offer strategy.
Have your DD214 or service record ready
Your DD214 is a separation document that may help verify service. If you need a copy, request your military service records through the National Archives or the appropriate service-records channel.
Ask about the VA funding fee
A VA loan may allow no down payment for qualified borrowers, but a VA funding fee may apply. Ask whether you are exempt, what the fee is for your loan, and whether it will be financed or paid at closing.
Review your full cash-to-close
No down payment does not automatically mean no closing costs. Ask for an estimate that shows your expected lender costs, title costs, prepaid items, insurance and any seller credits or assistance that may be available.
Understand the payment, not just approval
Review principal, interest, taxes, insurance, HOA dues when applicable and the expected maintenance budget so your home payment supports your real life after closing.
Search for a home that fits the loan
VA appraisals review value and minimum property requirements. Brittny helps you evaluate a home's condition, offer terms and timeline before you are under contract.
Important
VA eligibility, entitlement, funding fees, exemptions, loan terms and property requirements are confirmed by the VA and your VA-approved lender. This page is educational and is not lending advice.
Your next move
Ready to start your VA homebuying plan?
Complete this short form first. Let Brittny know whether you already have your DD214 so the lender conversation starts with the right information.
Start My VA Homebuying Plan