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Proof of Service/Lost or Destroyed Discharge Papers
You may contact NPRC to obtain a Certificate of Military Service, which substitutes for the actual discharge papers. The request for records, GSA Form SF-180, may be initiated online. A follow up faxed or email application with signatures will be required. If mailed, use the address specified in the instructions on GSA Form SF-180. This form is NOT processed by the VA.
The fastest way to verify eligibility and determine the amount of entitlement is the VA's eBenefits website. You can check loan benefits and entitlements and print out a Certificate of Eligibility (COE) or your lender can assist in obtaining a copy of the COE through WebLGY, the Loan Guaranty Service's system of records. If you are unable to obtain one through these methods, you may contact the VA Eligibility Center by mail at P.O. Box 100034, Attn. COE (262), Decatur, GA 30331. For more assistance options including online chat, please visit: www.ebenefits.va.gov/ebenefits/contact
Currently, the VA identifies high-cost markets in specific counties in 20 U.S. states and territories. VA has no loan limit, only a maximum that can be borrowed with zero down payment. A buyer who wants to borrow more than that loan limit, must pay 25 percent of the additional amount as a down payment.
PenFed Foundation Dream Makers Grants for First-Time Home Buyers
The Pentagon Federal Credit Union Foundation offers first-time military home buyers two-to-one matching grants up to $5,000 for down payment and closing costs. You are eligible if you are Military (Active Duty, Reserve, National Guard or Veteran), Department of Defense employee or Department of Homeland Security employee who is a first-time home buyer, or has not owned a home for the last three years or lost a home through divorce or disaster. Your gross annual income of all applicants cannot be more than 80 percent of the area median income, adjusted for family size. You can apply online even before starting to look or selecting a mortgage company.
House Hunting Readiness Kit
- Lender’s preapproval letter
- W2 forms (member and spouse) for past two years
- At least the two most recent months of Leave and Earnings Statements and spouse’s pay stubs
- Copies of statements for at least two most recent months of savings and checking accounts and any other accounts that maybe used for earnest money and down payments
- Gener or real estate specific power of attorney for an absent spouse
- Digital camera, video camera, or smartphone