Your VA Certificate of Eligibility (COE) proves you qualify for VA home loan benefits. Nevada veterans can get their COE in as little as 5-10 minutes online—or we'll handle it for you completely free. Discover the fastest methods to obtain your COE and unlock zero-down-payment homeownership in Las Vegas, Reno, Henderson, and throughout Nevada.
Nevada Veterans Trust Us
We've helped 1,000+ Nevada veterans obtain their COE and secure VA home loans in Las Vegas, Reno, Henderson, and throughout the Silver State. Our VA loan specialists are standing by to assist you—at no charge.
3 Ways
To Get COE
Your official document proving you qualify for VA home loan benefits in Nevada
The Certificate of Eligibility (COE) is an official document issued by the U.S. Department of Veterans Affairs that confirms your eligibility for a VA-backed home loan. In Nevada, lenders require this certificate before approving your VA loan application—it verifies your military service and shows how much entitlement you have available for a zero-down-payment home purchase.
Validates your military service history and confirms you meet VA eligibility requirements
Shows how much VA loan guarantee you have available for Nevada home purchases
All Nevada VA-approved lenders must verify your COE before loan approval
Yes—every Nevada veteran must have a Certificate of Eligibility before closing on a VA loan. However, you don't always need it in hand before starting the application process. Most lenders (including us) can begin processing your pre-approval while simultaneously requesting your COE through the VA's system.
💡 Nevada Veteran Pro Tip: Get your COE early—even before house hunting. Having your certificate ready shows Las Vegas, Reno, and Henderson sellers you're a serious, qualified buyer. In Nevada's competitive housing market (especially Las Vegas Valley and Washoe County), this can give you an edge when multiple offers come in. Sellers prefer buyers who can close quickly—and VA buyers with COE in hand can often close in 21-30 days.
Branch, dates of service, and discharge status
Shows your $36,000 base guarantee (covers up to $144,000 loan)
Additional guarantee for Nevada homes above $144,000 (most properties)
How much guarantee you have left if you've used VA benefits before
Lists any previous VA home loans and their status
When issued; COEs don't expire but should be recent for lenders
Nevada has different VA loan limits based on county. Your COE shows your available entitlement, which determines how much you can borrow with $0 down:
Clark County (Las Vegas, Henderson)
$806,500
High-cost area limit
Washoe County (Reno, Sparks)
$806,500
High-cost area limit
Carson City
$806,500
High-cost area limit
Rural Nevada Counties
$766,550
Standard baseline limit
Example: A first-time VA loan user in Las Vegas would see:
Nevada Military Bases & VA Loans
Active duty members stationed at Nellis Air Force Base (Las Vegas), Naval Air Station Fallon, Hawthorne Army Depot, or Nevada National Guard facilities can obtain their COE and purchase homes near base using VA loans. We've helped hundreds of military families stationed in Nevada transition from base housing to homeownership.
Your COE unlocks benefits conventional borrowers can't access. Here's the real cost comparison for a typical Nevada home purchase.
With Your COE
No COE Required
Over the first 5 years of homeownership in Nevada
Cash Saved at Closing
$22,500
No down payment vs 5% down
PMI Savings (5 years)
$21,240
$354/mo × 60 months = $21,240
Total Financial Advantage
$43,740
Plus lower interest costs
$22,500 in your pocket today: That conventional down payment money stays in your savings account. Use it for furniture, renovations, emergency fund, or investments. Nevada's median home ($450K) requires this much down to hit even 5% – most conventional buyers put 10-20% down ($45K-$90K).
No PMI = permanent savings: Conventional loans with less than 20% down require PMI (Private Mortgage Insurance). At $354/month, you're paying $4,248/year just for insurance that protects the lender, not you. With a VA loan and your COE, you never pay PMI – regardless of down payment amount.
Lower rates for veterans: VA loans typically offer interest rates 0.25%-0.50% below conventional loans (even with excellent credit). On a $450K loan, a 0.25% rate reduction saves $50-70/month ($600-840/year). Over 30 years, that's $18,000-$25,000 in interest savings.
Even the funding fee is a better deal: Yes, you pay a $9,675 funding fee (2.15% on $450K) with a VA loan – but it's financed into your loan, so you're spreading it over 30 years (~$60/month). Compare to PMI at $354/month that lasts 7-10 years minimum. The funding fee costs you far less and protects the VA loan program for future veterans.
Disabled veterans pay NO funding fee: If you have any service-connected disability rating from the VA (even 10%), you're completely exempt from the funding fee. Purple Heart recipients are also exempt. That eliminates the $9,675 cost entirely – making VA loans an unbeatable deal for disabled Nevada veterans.
Choose the method that works best for you—online is fastest, but all options are free
⚡ Recommended • Get COE in 5-10 minutes
The fastest way to get your VA Certificate of Eligibility is through the VA's online portal. Nevada veterans can access the system 24/7 and download their COE instantly.
Go to the VA's eBenefits Portal
Visit ebenefits.va.gov or va.gov and navigate to the home loan section
Create or Log Into Your Account
If you don't have an eBenefits account, create one using your DS Logon, ID.me, or Login.gov credentials
Request Your COE
Click "Apply for home loan COE" and follow the prompts. The VA will verify your service records automatically
Download Your COE
Most Nevada veterans receive instant approval. Download and save your COE PDF to provide to your lender
Nevada Veteran Tip:
If the system shows you need additional documents (like DD-214), you can upload them directly through the portal. The VA typically processes these within 2-5 business days.
🏦 Convenient • We handle everything for you
When you apply for a VA loan with us, we can obtain your Certificate of Eligibility on your behalf using the VA's WebLGY system. This is often the easiest option for Nevada veterans who want a hands-off approach.
Nevada veterans love this option because it's completely hands-off. We submit your COE request as part of your loan application, track its status, and ensure everything is processed correctly. You focus on house hunting while we handle the paperwork.
📧 Traditional • Takes 10-14 business days
If you prefer to handle your COE application by mail (or don't have online access), you can submit a paper application to the VA. This method takes longer but is just as valid.
Complete VA Form 26-1880 (Request for Certificate of Eligibility)
Include a copy of your DD-214 (Member 4 copy) or other discharge papers
If still on active duty, include a Statement of Service signed by your commanding officer
Mail to: Atlanta Regional Loan Center, PO Box 100034, Decatur, GA 30031
Nevada Veterans:
While this method works, we strongly recommend using the online portal or letting your lender handle it. The mail-in process takes 10-14 business days minimum, which can delay your home purchase in Nevada's competitive market.
Our Nevada VA loan specialists can obtain your Certificate of Eligibility for you—completely free, no obligation. Get pre-approved faster and with less hassle.
Timeline varies by method—online is instant for most Nevada veterans, while mail takes weeks
5-10 min
Instant for most Nevada vets
Immediate if VA has your records
Download COE PDF instantly
Available 24/7 from anywhere
2-5 days if docs needed
1-3 days
We handle everything
Completely hands-off process
Integrated with pre-approval
We track all follow-up needed
Instant for most scenarios
10-14 days
Plus mailing time
2-3 days for mail delivery
10-14 days VA processing
2-3 days return mail to Nevada
Total: 2-3 weeks minimum
When you apply for a VA loan with us, we obtain your Certificate of Eligibility as part of your pre-approval. You don't lift a finger—we handle the entire process using the VA's WebLGY system. Most Nevada veterans get instant approval, and we track everything through closing.
Nevada Market Insight: Las Vegas and Reno homes often have multiple offers. Having your COE ready (or using a lender who gets it fast) can help you close quicker and win competitive bids.
If you need your COE urgently for a Nevada home purchase, contact the VA Regional Loan Center at (888) 244-6711. Explain your situation (pending offer, tight closing deadline) and they may expedite your request. Response time: 1-2 business days in urgent cases.
What Nevada veterans need to provide based on service type
✓ Most Common Category for Nevada Veterans
DD Form 214
Member Copy 4 (long form) showing character of discharge and dates of service
Don't Have Your DD-214?
Nevada veterans can request a copy from:
Currently serving in Nevada or elsewhere
Statement of Service
A letter from your commanding officer or personnel office on official letterhead that includes:
Nevada Active Duty Members
Nellis AFB, NAS Fallon, and other Nevada-stationed service members: Request your Statement of Service from your unit's personnel office (S-1 for Army, Admin for USMC, etc.). Most can provide this within 24-48 hours.
Nevada Guard members and reservists
NGB Form 22 or 22A
Report of Separation and Record of Service
Or NGB Form 23
Retirement Points Statement
DD-214 for Active Duty Periods
If you were activated (deployment, etc.)
Plus NGB Form 22/23
Showing total Guard/Reserve time
Nevada National Guard Members:
Contact the Nevada National Guard Joint Force Headquarters in Carson City at (775) 887-7302 to request your forms. Las Vegas members can also reach out to the 72nd Military Police Company or 757th Combat Sustainment Support Battalion for assistance obtaining records.
Unmarried spouses of deceased veterans
Veteran's DD-214
Copy of deceased veteran's discharge papers
Death Certificate
Official copy from Nevada vital records or state where death occurred
Marriage Certificate
Proof of marriage to the veteran
Proof You Haven't Remarried
Signed statement or affidavit confirming unmarried status
We help Nevada veterans obtain missing military records and navigate the COE process. Missing your DD-214 or unsure what you need? We'll guide you through every step.
Your Certificate of Eligibility is just the beginning. Here's what happens next in your Nevada VA home loan journey.
With your COE in hand, get pre-approved to see exactly how much house you can afford. Nevada sellers take pre-approved buyers more seriously, especially in competitive markets like Las Vegas and Reno.
Start house hunting with confidence knowing you're pre-approved. Work with a VA-savvy realtor who understands the Nevada market and VA loan requirements.
Found the perfect home? Submit a strong offer with your pre-approval letter and COE. Nevada VA buyers are competitive—sellers know you can close with no financing contingencies.
Final step! Complete your VA loan closing and get the keys to your Nevada home. Most Nevada veterans close in 30-45 days with proper preparation.
With your COE secured, you're ready for pre-approval. Our Nevada VA loan specialists will handle everything from here—fast approvals, competitive rates, and personalized service for military families.
Your VA COE
Certificate of Eligibility you just obtained
Photo ID
Driver's license or state ID
Income Docs
Last 2 pay stubs, 2 years W-2s/tax returns
Bank Statements
Last 2 months for all accounts
Solutions to the most common Certificate of Eligibility issues Nevada veterans face
If your eBenefits application doesn't generate an instant COE, it usually means the VA needs to manually review your service records.
Common Reasons:
Solution:
Have your lender request the COE. Lenders have direct VA access and can often resolve issues faster than individuals. We help Nevada veterans navigate COE delays daily.
Lost discharge papers are common, especially for older veterans. Your COE application requires proof of service.
Processing Time:
DD-214 replacement typically takes 10-15 business days. Request early if you're planning to buy a Nevada home soon.
Nevada National Guard members often have questions about whether their service qualifies for VA loans.
You Qualify If:
Need Help?
Nevada Guard members: We'll review your service record and determine eligibility at no charge. Call us at (702) 696-9900.
If you've used your VA loan benefit before, your COE will show remaining entitlement or need for restoration.
If you sold your previous home and paid off the VA loan, your entitlement is fully restored automatically
If you still have an active VA loan, you may have remaining entitlement for a second property
Calculate Remaining Entitlement:
Your COE shows your remaining entitlement. In high-cost Nevada counties (Clark, Washoe), you may still qualify for homes up to $806,500 even with a previous VA loan.
Check Your EntitlementOur Nevada VA loan specialists answer Certificate of Eligibility questions every day. We'll review your specific situation at no charge.
Everything you need to obtain your Certificate of Eligibility and start your VA home loan journey in Nevada
Official VA website to apply for your COE online. Fastest method - get your certificate in 5-10 minutes.
Alternative online portal for veterans. Quick access to COE and other benefits in one place.
Download the Request for COE form to mail. Traditional method for Nevada veterans who prefer paper.
Speak to a Nevada VA loan expert. We'll help you get your COE and start pre-approval.
(702) 696-9900
5460 Reno Corporate Dr, Reno, NV 89511
Hours: Mon-Fri 8am-4:30pm
Las Vegas, NV
Fallon, NV
Hawthorne, NV
Carson City, NV
Active duty members stationed at these Nevada installations can obtain their COE and purchase homes near base using VA loans. We've helped hundreds of military families stationed in Nevada transition from base housing to homeownership.
Real stories from Nevada military families who obtained their Certificate of Eligibility and achieved homeownership
Nellis AFB • Las Vegas
"Got my COE online in 10 minutes using the eBenefits portal. Couldn't believe how fast it was. Used it to buy our first home in Henderson with $0 down. The whole team walked me through every step. Best benefit I've ever used."
Navy Veteran • Reno
"I was nervous about the paperwork but my lender requested my COE for me. Didn't have to do anything. They had it back from the VA in 3 business days. Made the whole home buying process stress-free. Closed in 28 days."
Army National Guard • Sparks
"Used my COE to buy my second home after selling my first VA loan property. Still had full entitlement available. The VA makes it so easy to use the benefit multiple times. Bought a bigger house for my growing family."
12,847
Nevada VA Loans (2024)
$0
Average Down Payment
96.8%
COE Approval Rate
21 days
Average Time to Close
Nevada leads the nation in VA loan usage per capita. Our state's large military presence (Nellis AFB, Fallon NAS, Hawthorne Army Depot) means thousands of veterans use their VA benefits every year. Clark County and Washoe County consistently rank in the top 20 counties nationwide for VA home loan volume.
Yes! Active duty service members are eligible for VA loans after meeting minimum service requirements (typically 90 consecutive days during wartime or 181 days during peacetime). You can obtain your COE immediately and start house hunting in Las Vegas, North Las Vegas, or Henderson. Many Nellis airmen buy homes near base in the Northwest Las Vegas area.
No, but it's recommended. Your COE doesn't expire, but lenders prefer a recent one (within 6-12 months) to verify your current entitlement status. If you've used your VA loan before, a new COE will show how much entitlement you have remaining. It only takes minutes to get a new one online.
Yes, with sufficient service. National Guard and Reserve members can qualify after 6 years of service. If you've been activated for federal service (not state activation), different rules may apply and you might qualify sooner. Check your eligibility through eBenefits or contact us to verify your service counts.
Your spouse can't get the COE, but they can sign on your behalf. If you're deployed, you can grant your spouse Power of Attorney to handle the home buying process, including using your COE for a VA loan. Many Nevada military families have successfully purchased homes while one spouse was deployed overseas.
Special resources and support for Nellis Air Force Base service members and their families buying homes in the Las Vegas Valley.
Naval Air Station Fallon aviators and personnel information for buying homes in Churchill County and surrounding areas.
Use these Nevada-specific calculators to see exactly what you can afford with your COE and VA loan benefits
Calculate how much home you can afford in Nevada based on your income, debts, and VA loan entitlement. See your maximum purchase price for Las Vegas, Reno, and Henderson.
Calculate your exact VA funding fee based on your loan amount, down payment, and service type. See monthly cost impact and disabled veteran exemptions.
Estimate your total monthly payment including principal, interest, property taxes, HOA, and insurance for any Nevada property. Compare scenarios with different down payments.
Cash needed at closing: Approximately $8,000-$12,000 for closing costs (seller can contribute up to 4%, reducing this). No down payment required. Monthly payment includes principal, interest, property tax (~$400/mo), insurance (~$150/mo), and HOA (~$80/mo).
Subsequent use funding fee higher: 3.30% vs 2.15% for first use. However, still $0 down and no PMI makes it significantly better than conventional. Monthly includes P&I, property tax (~$550/mo), insurance (~$180/mo). Restoring entitlement from first home can reduce fee back to 2.15%.
Disabled veterans save big: No funding fee means ~$10,430 saved compared to standard first-time use on this loan. Veterans with any VA disability rating (even 10%) are exempt. Purple Heart recipients also exempt. Must provide VA disability award letter to lender.
High-cost Nevada areas: Clark County (Las Vegas) limit is $806,500, allowing $0 down on luxury homes. This example is well within limits. Monthly includes ~$750/mo property tax and ~$220/mo insurance. Compare to conventional: Would require $150,000 down (20%) plus $313/mo PMI with less than 20%.
Now that you understand the Certificate of Eligibility process and your VA loan power in Nevada, take the next step. Get pre-approved in minutes and start your Nevada home search with confidence.
No obligation • Free pre-approval • Same-day COE verification
Answers to common questions Nevada veterans ask about the COE
Understanding your VA loan entitlement is crucial to maximizing your home buying power in Nevada. Learn how basic and bonus entitlement work, calculate your available benefits, and discover restoration options.
Guaranteed by VA
Every eligible Nevada veteran receives $36,000 in basic entitlement. This allows lenders to offer up to $144,000 in loans with zero down payment (VA guarantees 25% of loan amount).
What This Means: With just basic entitlement, you can buy homes up to $144,000 with $0 down in Nevada. However, most veterans also have bonus entitlement for higher loan amounts.
Additional Guarantee (2025)
Nevada veterans also receive bonus entitlement tied to county conforming loan limits. In Clark & Washoe Counties ($806,500 limit), your bonus entitlement is $730,500.
Combined Power: $36,000 basic + $730,500 bonus = $766,500 total entitlement. This allows VA loans up to $3,066,000 with zero down payment in Nevada's high-cost counties!
VA Guarantee Ratio
The VA guarantees 25% of your loan amount. Your total entitlement ($766,500 in Clark/Washoe) × 4 = maximum zero-down loan amount of $3,066,000.
Nevada Advantage: Buy virtually any home in Las Vegas, Henderson, or Reno with $0 down. Only ultra-luxury properties ($3M+) require down payments with VA loans.
Your available entitlement depends on whether you've used your VA loan benefit before. Nevada veterans can use their benefit multiple times throughout their homeownership journey.
Full entitlement allows zero-down purchases up to $3,066,000 in Clark & Washoe Counties, or $2,866,000 in rural Nevada counties ($716,500 limit areas).
If you still have an active VA loan, your remaining entitlement = (Total entitlement - 25% of active loan balance). Still enough for most Nevada homes!
You bought your first home with a $400,000 VA loan (still owe $300,000). You're buying a second home in Henderson for $600,000.
Result: Your $691,500 remaining entitlement × 4 = $2,766,000 maximum zero-down loan. Your $600,000 Henderson home purchase? Approved with $0 down!
Nevada veterans have multiple ways to restore used entitlement and regain full VA loan benefits for future purchases.
Sell your home and pay off the VA loan completely. Your full entitlement ($766,500) is immediately restored for your next Nevada home purchase.
Pay off your VA loan but keep the property. You can restore entitlement once even if you still own the home. Future restorations require selling the property.
If another eligible veteran assumes your VA loan and substitutes their entitlement, your entitlement is fully restored immediately—even before the loan is paid off.
Understanding entitlement tiers helps Nevada veterans maximize their VA loan benefits across multiple properties.
Never used VA loan, or fully restored. Buy homes up to $3,066,000 (Clark/Washoe) or $2,866,000 (rural NV) with $0 down.
Who This Applies To: First-time VA buyers, veterans who sold previous VA-financed homes, or those who completed one-time restoration.
Active VA loan on another property. Remaining entitlement = Total - (25% × current loan balance). Still sufficient for most Nevada second homes.
Example: $300K active loan = $75K used entitlement. $691,500 remaining = up to $2.77M second home with $0 down.
Multiple active VA loans or very large existing loan. May require down payment on high-value Nevada properties. Contact us to calculate your exact available amount.
Still Valuable: Even with limited entitlement, you'll pay far less down than conventional loans (typically 5-10% vs 20%).
Nevada Tip: Even Tier 3 veterans often have enough remaining entitlement for median-priced Las Vegas ($430K), Henderson ($525K), or Reno ($520K) homes with zero down. Let's calculate your exact buying power!
Yes! Your VA loan benefit is reusable for life. Nevada veterans commonly use it 2-5+ times throughout their homeownership journey. Full entitlement restores when you sell and pay off the previous VA loan.
Your VA entitlement follows you nationwide. Bonus entitlement adjusts based on the new county's conforming loan limit. Moving from Vegas to a lower-cost area might reduce bonus entitlement slightly, but basic entitlement ($36K) never changes.
Automatic when you sell and pay off. Your lender requests an updated COE showing full entitlement restored—typically available within 24-48 hours through the VA's WebLGY system. Nevada veterans can start shopping immediately after closing their sale.
The VA pays the guarantee to the lender, so that entitlement amount is lost until you repay the VA. However, you keep your remaining unused entitlement. Nevada veterans who face hardship should contact the VA immediately—they offer foreclosure avoidance assistance.
We'll help you get your Certificate of Eligibility and guide you through every step of the VA loan process. Fast, easy, and free for Nevada veterans.