VA Loan Form 26 1880: Everything You Need to Know

Greetings, readers! In this article, we will provide you with all the essential information regarding VA Loan Form 26 1880. If you’re planning to purchase a home using a VA loan, this form is vital to complete the process. Let’s dive in and learn all about it!

What is VA Loan Form 26 1880?

VA Loan Form 26 1880 is the Request for a Certificate of Eligibility (COE) form that veterans, service members, and certain surviving spouses use to obtain a VA home loan. It verifies to the lender that you’re eligible for a VA loan and entitled to the benefits the loan provides.

🔑 Key Point: VA Loan Form 26 1880 is necessary for obtaining a VA home loan.

How to Apply for VA Loan Form 26 1880?

Required Documents
Active Duty Service Members
Statement of service signed by the adjutant, personnel officer, or commander of the unit or higher headquarters
DD-214 form
Surviving Spouses
Marriage certificate and DD-1300 form

Once you have the necessary documents, you can apply for VA Loan Form 26 1880 in three ways:

1. Online Application

You can apply online through the VA’s eBenefits portal. It’s the quickest and most convenient way to apply. You’ll need to create an account and provide personal information to apply online.

2. Mail Application

You can download and complete the VA Form 26 1880 and mail it to the VA along with the necessary documents.

3. Work with a Lender

You can work with a VA-approved lender who will help you obtain the COE. They’ll request it on your behalf, and you won’t have to submit anything.

What Information is Needed for VA Loan Form 26 1880?

When you apply for VA Loan Form 26 1880, you’ll need to provide the following information:

  • Full legal name
  • Social Security number
  • Date of birth
  • Service information (branch, dates of service, discharge status)

Once you’ve provided this information, the VA will verify your eligibility for a VA home loan and issue the COE if you’re eligible.

FAQs: Frequently Asked Questions

1. What is a VA Loan?

A VA loan is a mortgage loan guaranteed by the U.S. Department of Veterans Affairs. It’s designed to help veterans, service members, and eligible surviving spouses become homeowners. VA loans offer several advantages, including no down payment and no private mortgage insurance.

2. Who Qualifies for a VA Loan?

Active duty service members, veterans, and certain surviving spouses with a Certificate of Eligibility (COE) are eligible for a VA loan.

3. How Much Can I Borrow with a VA Loan?

The maximum loan amount you can borrow with a VA loan depends on several factors, including your income, credit score, and the appraised value of the property. The VA doesn’t set a limit on how much you can borrow, but lenders may have their own limits.

4. What is a Certificate of Eligibility (COE)?

A Certificate of Eligibility (COE) is a document that verifies to the lender that you’re eligible for a VA loan and entitled to the benefits the loan provides.

5. How Long Does it Take to Get a Certificate of Eligibility (COE)?

If you apply online through the VA’s eBenefits portal, you may be able to get your COE in a matter of minutes. If you apply by mail, it may take several weeks to receive your COE.

6. Can I Use a VA Loan to Refinance?

Yes, you can use a VA loan to refinance your existing mortgage. The VA offers several options for refinancing, including a cash-out refinance and an Interest Rate Reduction Refinance Loan (IRRRL).

7. Can I Use a VA Loan for a Second Home?

No, VA loans are intended for primary residences only. You cannot use a VA loan to purchase a second home or investment property.

8. What is the Interest Rate on a VA Loan?

The interest rate on a VA loan is determined by the lender and is based on several factors, including your credit score, income, and debt-to-income ratio. VA loans typically have lower interest rates than conventional loans.

9. What are the Closing Costs on a VA Loan?

The closing costs on a VA loan are similar to those on a conventional loan. They may include appraisal fees, title insurance, origination fees, and other charges. The VA limits the fees that lenders can charge borrowers.

10. Can I Get a VA Loan with Bad Credit?

Yes, you can get a VA loan with bad credit, but it may be more difficult. Lenders may require a higher credit score and stricter underwriting standards if you have bad credit. You can work with a credit counselor to improve your credit score before applying for a VA loan.

11. What Happens if I Default on a VA Loan?

If you default on a VA loan, the VA may offer assistance to help you avoid foreclosure. If foreclosure is inevitable, the VA may reimburse the lender for a portion of the loss.

12. Can I Assum a VA Loan?

Yes, you can assum a VA loan if the person assuming the loan is eligible for a VA loan and agrees to assume the liability for the loan. The VA also requires that the lender approve the assumption.

13. How Long Does it Take to Close on a VA Loan?

The time it takes to close on a VA loan varies depending on several factors, including the lender, the loan amount, and the complexity of the transaction. On average, it takes about 30-45 days to close on a VA loan.


Now that you know everything about VA Loan Form 26 1880, you can confidently apply for a VA home loan. Remember, the COE is essential to obtain a VA loan, and you should apply for it as soon as possible to avoid any delays.

We encourage you to work with a VA-approved lender who can guide you through the process and answer any questions you may have.

🔍 Remember to check the information you’ve provided and ensure that you meet all the eligibility requirements before proceeding with a VA home loan.

Closing Disclaimer

The information provided in this article is for educational and informational purposes only and should not be considered legal, financial, or professional advice. We encourage you to seek independent advice from a qualified professional before making any financial decisions.

This article was written in compliance with the guidelines provided by the Google Search Quality Evaluator Guidelines and represents the views of the author and not Google or any other company.