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Certificate of eligibility is a document issued by the Veterans Administration (VA) to those veterans qualified for VA guaranteed loans for homes, business, and mobile homes. A certificate of eligibility from VA is one of the most important documents required to apply for a new VA loan. VA determines the eligibility and, if qualified, a certificate of eligibility will be issued. Eligibility applications can involve:
1.An original determination of eligibility for the home loan benefit.
2.A request to replace a lost certificate of eligibility.
3.A request for restoration of the benefit after payment in full of a previous VA home loan, and
4.An issuance of a certificate reflecting a current outstanding loan for refinance purposes.
A person honorably discharged after serving a certain number of days on active duty in the armed forces is entitled to a certificate of eligibility.