VA Entitlement Codes – An Explanation

VA Entitlement CodesVA HOME LOAN ENTITLEMENT CODES Posted on: July 11, 2018 If you are interested in buying a home with a VA home loan, your lender will request your certificate of eligibility, or COE, from the VA.When you receive the COE, it will have a code at the upper left of the form, called an entitlement code. Your COE may say “Entitlement Code 10” or “Entitlement Code 05.” What do these codes mean, and should you pay attention to them at all?Click here to check todays VA loan rates.First of all, the fact that you received a COE is a good sign. This is your first step to establishing eligibility to buy a home with a VA loan. If the COE indicates full entitlement of $36,000, it means you are eligible buy a home with a purchase price of $417,000 or even higher with a VA jumbo loan.Entitlement CodesSample entitlement codeThe entitlement code simply tells you how you are entitled to the VA home loan benefit.What the VA Entitlement Code Tells YouYour VA entitlement code shows the period in which you earned entitlement, or alternative ways in which you are entitled to a VA home loan.The VA has established certain time periods of service and other factors that determine eligibility. For instance, if you served a minimum of 181 days in 1979, you are most likely eligible. But in 1985, you will need two years of service history.Here is a quick reference guide on VA entitlement codes:VA Entitlement Codes

Entitlement CodeSeparation, Effective, or Honorable Discharge Era

01World War II02Korean War03Post-Korean04Vietnam War05Entitlement Restored06Un-remarried Surviving Spouse07Spouse of POW/MIA08Post World War II09Post-Vietnam10Gulf War11Selected ReservesGet a VA loan pre-approval here. Complete this short online form.Dates that correspond to the above eras

EraDatesMinimum Service*

WWII09/16/40 – 07/25/4790 continuous daysPeacetime07/26/47 – 06/26/50181 daysKorean06/27/50 – 01/31/5590 daysPost-Korean02/01/55 – 08/04/64181 daysVietnam08/05/64 – 05/07/7590 daysPost-Vietnam05/08/75 – 09/07/80181 daysPost-Vietnam09/08/80 – 08/01/902 yearsPersian Gulf8/2/90 – undetermined2 years or period called to active duty, not less than 90 days*Veterans discharged due to a service-connected disability may be eligible for a VA home loan even though they served less than the minimum service requirement.Click here to request your COE and check eligibility.Other ways in which you may be eligible for a VA home loanOther Ways Eligible For a VA Home Loan

Other Eligible PersonsMinimum Service Required

Active Duty (valid while on active duty)90 continuous days (181 days in peacetime)Active Reserve or National Guard6 years in Selected ReservesUnmarried surviving spouseNo time requirementSpouse of POW/MIAVeteran has been POW/MIA for 90 daysCheck your VA loan eligibility here Related Article: Buying a Home with a VA LoanMore about VA Home Loan EligibilityFor more information about eligibility, see our VA Home Loan Eligibility Page.Still have questions about entitlement codes, your COE, or VA home loan eligibility? Our licensed and reputable VA loan officers would love to help you.Click here to complete a short request form and a knowledgeable VA lender will be in touch with you.Source: VA loan training guide

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