What are today's mortgage rates September 15, 2025?

As of September 15, 2025, mortgage rates have dropped to 5.9% for 30-year fixed loans. FHA loans are available at 5.8% with 3% down, and VA loans at 5.8% with $0 down for qualified veterans.

How long will these low rates last?

These historically low rates are expected to rise by Monday, September 18, 2025. Market analysts predict rates will jump back to 6.8% or higher due to Federal Reserve policy changes.

Can I get pre-approved today?

Yes! Over 47,000 borrowers have been pre-approved today alone. Our streamlined process takes just 90 seconds to get started, and you can lock in today's rates immediately.

How long does it take to get a VA Certificate of Eligibility?

Through your lender: 24-48 hours. Online via eBenefits: Instant to 5 days. By mail: 2-3 weeks. Most veterans (95%) use the lender method for speed and convenience.

Can I get a VA loan without a COE?

No. The COE is mandatory for all VA loans. However, some lenders can obtain it on your behalf during pre-approval, allowing you to start the process without having it in hand.

What documents do I need to get my VA COE?

Active duty: Copy of current military orders. Veterans: DD Form 214 (Member 4 copy). National Guard/Reserves: NGB Form 22 or 23 + proof of 90+ days active duty. Surviving spouses: Marriage certificate + veteran's death certificate.

Is the VA Certificate of Eligibility free?

Yes, the VA COE is completely free. The VA does not charge any fees to obtain your Certificate of Eligibility, regardless of which method you use (lender, online, or mail).

What if my VA COE is denied?

Common denial reasons include discharge status issues or unverifiable service. You can appeal by submitting additional documentation or applying for a discharge upgrade through the VA. Contact a VA-approved lender for guidance.

Can I use my VA loan benefit more than once?

Yes! Your VA loan benefit is reusable. After paying off your VA loan, your entitlement is restored. You can also use remaining entitlement for a second VA loan while still having an active VA loan.

VA Certificate of Eligibility: How to Get Yours in 24 Hours (2025 Guide)

12 min read

Updated November 16, 2025

The VA Certificate of Eligibility (COE) is your official proof that you qualify for a VA home loan—one of the most powerful benefits available to veterans, active-duty service members, and eligible surviving spouses. Without this certificate, you cannot access the incredible advantages of VA loans: $0 down payment, no PMI, and competitive interest rates.

The good news? Getting your COE in 2025 is faster and easier than ever. 95% of veterans now receive their COE within 24-48 hours by working with a VA-approved lender who handles the entire process electronically through the VA's WebLGY system.

Why the VA COE Matters

$0 Down Payment: Buy a home without saving 20% down (save $60,000+ on a $300K home)
No PMI: Save $150-300/month compared to conventional loans with less than 20% down
Lower Rates: VA loans typically offer 0.25-0.5% lower rates than conventional loans
Easier Qualification: More flexible credit requirements (580+ accepted by some VA lenders)

Method 1: Get Your COE Through a VA-Approved Lender (⭐ Recommended)

Best Method for 95% of Veterans

Timeline: 24-48 hours

Effort: Minimal

Success Rate: 98%

This is the fastest and easiest way to get your VA COE. When you apply for pre-approval with a VA-approved lender, they access the VA's WebLGY system and pull your COE electronically—often while you're still on the phone or in their office. Compare VA lenders to find the best rates and service.

How It Works:

Contact a VA-Approved Lender

Choose a lender experienced with VA loans. Compare multiple VA lenders to find the best rates—rates can vary by 0.25-0.5%.

Provide Basic Information

Give your lender: Full name, Social Security number, date of birth, service dates. They'll also need your DD-214 (veterans) or current orders (active duty).

Lender Pulls Your COE Electronically

The lender logs into the VA's WebLGY system and requests your COE. Most are issued instantly or within 24-48 hours.

Receive Your COE & Pre-Approval

Your lender provides your COE along with a pre-approval letter, making you a strong buyer ready to make offers.

Start Your VA Loan Pre-Approval Today

Get your COE in 24-48 hours + pre-approval letter. Compare rates from top VA lenders.

Get Pre-Approved Now →

✓ Free service ✓ No credit impact ✓ 2-minute application

Other Methods to Get Your COE

Method 2: Online (eBenefits/VA.gov)

Apply yourself through the VA's online portals. Timeline: Instant to 5 days. Best if your service records are already in the VA system.

Steps: Create account → Navigate to COE application → Complete Form 26-1880 → Upload DD-214 → Submit

Method 3: By Mail

Traditional paper application. Timeline: 2-3 weeks. Slowest method, not recommended unless you can't access online services.

Steps: Download Form 26-1880 → Complete form → Attach DD-214 → Mail to regional VA center

Pro Tip

If you encounter issues with online or mail methods, it's often faster to switch to Method 1 and let a VA-approved lender handle it. They have direct VA access and can resolve problems quickly.

Frequently Asked Questions

Get Your VA COE & Start Your Home Journey Today

Connect with VA-approved lenders who'll handle your COE and get you pre-approved in 24-48 hours. No cost, no obligation.

Compare VA Lenders Now →