For National Guard Members who haven't been activated for federal service

To obtain a Certificate of Eligibility you will need

Either:
NGB Form 22, Report of Separation and Record of Service, for each period of National Guard service
OR
NGB Form 23, Retirement Points Accounting, and proof of the character of service

Give me a call at 801.560.2333 to discuss your financing options. 

Source of information: http://www.benefits.va.gov/homeloans/eligibility.asp

What Evidence Will I Need to Get the Certificate if I am the surviving spouse of a veteran who died as a result of military service?

If you’re already receiving Dependency and Indemnity Compensation (DIC), send the VA a copy of your award letter.  (Generally, you will already have a record on file at a VA regional benefits office.)

If you don’t receive Dependency and Indemnity Compensation (DIC), send the VA the following

• A copy of the veteran’s DD Form 214
• A copy of the veteran’s death certificate
• A copy of your marriage certificate
• Signed stated that you want to apply for DIC

If you qualify for the home loan benefit, you probably qualify for monthly payments under DIC.
Make sure to put the veteran’s Social Security number on all documents.


Give me a call at 801.560.2333 to discuss your financing options.

*Source of information:  http://www.benefits.va.gov/homeloans/eligibility.asp#A3

Who is Eligible for a VA-Backed Loan?

• Veterans
• Active duty personnel
• Reservists/National Guard members
• Some surviving spouses

Go to Eligibility Rules for detailed information.

Source of Information:  http://www.benefits.va.gov/homeloans/eligibility.asp

Give me a call at 801.560.2333 to discuss your financing options.

Q: My prior loan was foreclosed on, or I gave a deed in lieu of foreclosure, or the VA paid a compromise (partial) claim. Although I was released from liability on the loan and/or the debt was waived, I am told that I cannot have my used eligibility restored. Why?

A: As stated before, although the veteran’s debt was waived by VA, the Government still suffered a loss on the loan. The law does not permit the used portion of the veteran’s eligibility to be restored until the loss has been repaid in full.

For more information on VA's loans call me at 801-560-2333.

Source of Information:  http://www.benefits.va.gov/homeloans/faqelig.asp

Q: My prior VA loan was assumed, the assumer defaulted on the loan, and VA paid a claim to the lender. VA said it wasn’t my fault and waived the debt. Now I need a new VA loan but I am told that my used eligibility can not be restored. Why?

A:  Although the veteran’s debt was waived by VA, the Government still suffered a loss on the loan. The law does not permit the used portion of the veteran’s eligibility to be restored until the loss has been repaid in full.


For more information on VA's loans call me at 801-560-2333.

Source of information:  http://www.benefits.va.gov/homeloans/faqelig.asp

Q: How can I obtain proof of military service?

*A: Standard Form 180, Request Pertaining to Military Records, is used to apply for proof of military service regardless of whether you served on regular active duty or in the selected reserves. This request form is NOT processed by VA. Rather, Standard Form 180 is completed and mailed to the appropriate custodian of military service records. Instructions are provided on the reverse of the form to assist in determining the correct forwarding address.

For more information on VA's loans call me at 801-560-2333.

*Source of Information:  http://www.benefits.va.gov/homeloans/faqelig.asp

Q: I sold the property I obtained with my prior VA loan on an assumption. Can I get my eligibility restored to use for a new loan?

A: In this case the veteran’s eligibility can be restored only if the qualified assumer is also an eligible veteran who is willing to substitute his or her available eligibility for that of the original veteran. Otherwise, the original veteran cannot have eligibility restored until the assumer has paid off the VA loan.


For more information on the VA's loans call me at 801-560-2333.

*Source of information:  http://www.benefits.va.gov/homeloans/faqelig.asp

Q: How do I get a Certificate of Eligibility?

A: There are three ways to get your Certificate of Eligibility:

• Through Your Lender:  ACE (automated certificate of eligibility): It may be possible to obtain a Certificate of Eligibility from your lender. Most lenders have access to the ACE 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. 

• Apply online:  Go to the Veterans Information Portal (http://vip.vba.va.gov) and click on User Registration.  For more information, click on this link for us
  Publish Post
  er instructions for applying online.

• Mail:  You can apply for a Certificate of Eligibility by submitting a completed VA Form 26-1880, Request For A Certificate of Eligibility , to the Winston-Salem Eligibility Center, along with proof of military service. In some cases it may be possible for VA to establish eligibility without your proof of service. However, to avoid any possible delays, it's best to provide such evidence.

For more information on the VA loans call me at 801-560-2333.

 *Source of information:  http://www.benefits.va.gov/homeloans/eligibility.asp

VA Funding Fee

VA Funding Fee Update:

The Department of Veterans Affairs announced that on November 21, 2011, the President signed H.R. 674 which included a provision which raises funding fees to the pre-November 18, 2011 levels. The fees specified in the provision will remain in effect through September 30, 2016.

Loans that closed November 18, 2011 through and including November 21, 2011 were eligible for the lower funding fees as stated in VA Circular 26-11-12, dated September 8, 2011.

•    If the higher funding fees were collected from the veteran at closing during this time period, the difference will be refunded to the veteran:
o    If paid by veteran at closing – check will be issued
o    If financed into the loan amount – principal curtailment will be applied

Loans closing November 22, 2011 through and including September 30, 2016 are subject to funding fees which were in effect prior to October 1, 2011.

VA Funding Fees are available for viewing in Exhibit A of VA Circular 26-11-19 located at http://www.benefits.va.gov/homeloans/new.asp