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How Long Does It Take To Get a VA COE By Mail? VA Loan Reader Question

A reader asks, “Two weeks ago I applied in US Mail for a Certificate of Eligibility. To date it has not been received and I’m concerned that this is not being processed in a timely manner; holding up buying a home. Please advise how to follow up or can I apply online after mailing a request?”

The simple answer for this reader question is that two weeks isn’t nearly enough time for the Department of Veterans Affairs to receive, process, and return a request for a Certificate of Eligibility by mail.

Applying for a VA COE by mail is the slowest method, because of mail delivery schedules, receipt and processing by the VA, and getting the COE back by return mail.

Issues that can slow the mail include federal holidays, U.S. mail backlogs, weather, and other factors. Issues that can slow down processing time by the Department of Veterans Affairs are similar, but add to that staffing shortages, backlogs in processing COE-by-mail requests, and the simple fact that the mail is processed in the order it is received.

Unfortunately, some VA loan applicants are required to apply for their CA Certificate of Eligibility by mail, but ideally this should be done long before the borrower has a ticking clock situation in connection to a home purchase–don’t expect a rapid response from your mailed in request for a VA COE, there are a variety of factors that may work against you due to the reasons listed above.

Borrowers who need to know more about getting a COE by mail should call the VA directly at 1-800 827-1000.

Do you have questions about VA home loans? Ask us in the comments section.

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Comment balloon 0 commentsBruce Reichstein • September 12 2012 04:16AM