VA Home Loans
Certificate of Eligibility

Your VA mortgage advisor is familiar with the process of documenting your eligibility for a VA loan. Below is a summary of the documentation needed to obtain the Certificate of Eligibility required for the VA loan process.

For Service Members on Active Duty, you may need:

  • Statement of Service signed and dated by the Commanding Officer on official letterhead.
  • The Statement of Service must include
    • Service member's name.
    • Date of birth.
    • Social Security Number (SSN) or Service Number.
    • Enlistment date.
    • Contain the phrase "No Time Lost" (if applicable), or list any "Time Lost."

For Discharged Veterans (Regular Military), you may need:

  • Certificate of Release or Discharge From Active Duty (DD Form 214, Member Copy 4).
  • If you need to obtain a DD Form 214 by postal mail, write to:
    National Personnel Records Center
    Military Personnel Records
    1 Archives Drive
    St. Louis, MO 63138-1002
  • To obtain the DD Form 214 form online go to: http://www.archives.gov/veterans/military-service-records/.

For current Reserve or National Guard members, you may need:

  • Statement of Service signed and dated by your Commanding Officer on official letterhead.
  • The Statement of Service must include:
    • Veteran's full name.
    • Social Security Number (SSN).
    • Entry date for your Reserve or National Guard duty.
    • Note: The statement must clearly indicate that you are an “active” reservist and not in an “inactive” status.
  • Point Summary Statement.

For Discharged Reserve or National Guard Members, you may need:

  • Documentation that states six years of participation along with evidence that you were discharged honorably. The following provides information on how to acquire the necessary information based on your Reserve or National Guard branch of service.

Branch Type of Form Phone
Air Force Reserve Record of Service AF 526, Point Summary Sheet 800-525-0102
Air National Guard NGB Form 22, Report of Separation & Record of Service 800-525-0102
Army Reserve DARP Fm 249-2E or ARPC Fm 606, Chronological Statement of Retirement Points 888-276-9472
Army National Guard NGB Form 22, Report of Separation & Record of Service 888-276-9472
Navy Reserve NRPC 1070-124, Annual Retirement Point Record 866-827-5672
USMC Reserve NAVMC 798, Reserve Retirement Credit Report 800-268-3710
Coast Guard Reserve CG 4175, USGC Reserve Retirement Points Statement 866-735-3897
Mortgage or Refinance
Applying is fast and easy. Simply apply online or stop by one of our branch locations to learn more.
FEATURED RATES

Conventional Loan Rates

30 Year Fixed Rate

RateAPRPoints
4.375%4.456%0.000%

Conv. 5/1 ARM 30 Yr Am

RateAPRPoints
2.875%2.860%0.000%

VA Loan Rates

VA 30 Year Fixed Rate

RateAPRPoints
3.875%4.192%0.000%

VA 15 Year Fixed Rate

RateAPRPoints
3.500%4.061%0.000%

FHA Loan Rates

FHA 30 Year Fixed Rate

RateAPRPoints
3.750%5.298%0.000%

FHA 15 Year Fixed Rate

RateAPRPoints
3.000%4.046%0.000%

Jumbo Loan Rates

Jumbo 30 Year Fixed

RateAPRPoints
4.500%4.511%0.000%

Jumbo 7/1 ARM

RateAPRPoints
3.375%3.849%0.000%

Jumbo 5/1 ARM

RateAPRPoints
3.125%3.861%0.000%
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