United States Department of Veterans Affairs
United States Department of Veterans Affairs

Saint Paul Regional Office
Regional Loan Center

Eligibility

Eligibility is the veteran's entitlement to VA home loan benefits under the law, based on military service. An eligible veteran must still meet credit and income standards in order to qualify for a VA-guaranteed loan. A Certificate of Eligibility (COE) is the only reliable Proof of Eligibility for the Lender.

Automated Certificate of Eligibility (webLGY)
The Automated Certificate of Eligibility (ACE) program has been incorporated into the new webLGY program. Lenders should first attempt to obtain a COE through the webLGY program online. This system is an Internet based application incorporating formerly independent functions including Automated Certificates of Eligibility, Online Status Inquiries and WBLS. Using webLGY a lender can establish eligibility and issue an online Certificate of Eligibility in a matter of seconds. The system is accessed through the Veterans Information Portal. The webLGY program is limited to VA recognized lenders with a valid VA assigned lender identification number through the VA loan guaranty web portal.

This is an alternative to mailing VA Form 26-1880, Request for a Certificate of Eligibility to the Eligibility Center. Types of cases that cannot be processed through webLGY at this time are:

  • Persons whose service was or is in the Reserves/National Guard
  • Persons who may have had prior VA loan(s) that went to foreclosure
  • Persons who did not serve the minimum required length of service and were not discharged for an authorized exception
  • Persons who were discharged under conditions other than honorable
  • Persons for which VA has insufficient data to make the determination
  • Persons seeking restoration of previously used entitlement

If eligibility cannot be established, a "refer" message only means that webLGY cannot make the determination. It does not necessarily mean the veteran is not eligible.

If you are not able to obtain a Certificate of Eligibility via webLGY, please send VA Form 26-1880, Request for Certificate of Eligibility for Home Loan Benefits, and evidence of service to the Winston-Salem Eligibility Center.