Loan Guaranty

Am I Eligible for a Loan Guaranty?

General Rules for Eligibility
Determine if you are eligible for VA home loan benefits.

Frequently Asked Eligibility Questions
Questions about who is eligible for a VA loan and reuse of eligibility for another VA loan.

How to request a Certificate of
Eligibility for VA Home Loan Benefits
To request a Certificate of Eligibility for VA home loan benefits, you must complete VA Form 26-1880 and submit it to the FHA's VA Eligibility Center along with acceptable proof of service as described on the instruction page of the form.

It's also possible to obtain a Certificate of Eligibility from your lender.

Most lenders have access to the ACE (Automated Certificate of Eligibility) system. This Internet based application can establish eligibility and issue an online Certificate of Eligibility in a matter of seconds.

Not all cases can be processed through ACE - only those for which VA has sufficient data in our records. However, veterans are encouraged to ask their lenders about this method of obtaining a certificate.

VA Eligibility Center Address and Telephone Number

Please send your request for determination of Eligibility (VA Form 26-1880, along with proof of military service) to:

VA Loan Eligibility Center PO Box 20729 Winston-Salem, NC 27120

For overnight delivery:

VA Loan Eligibility Center 251 N. Main Street Winston-Salem, NC 27155

Toll free number:

1-888-244-6711

E-mail: nceligib@vba.va.gov

The toll free telephone lines to our Eligibility Center in Winston-Salem (1-888-244-6711) has been included in our National Automated Response System. Accordingly, callers are now provided a menu of information regarding the guaranteed home loan program and may exercise options from that menu which allow them to speak to VA Eligibility Personnel.

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