What Is a COE — and Why Do You Need It?
If you plan to buy a home in Melbourne, Palm Bay, Rockledge, Cocoa, Titusville, or anywhere across the Space Coast using a VA loan, the first step is securing a Certificate of Eligibility (COE).
The COE verifies:
- You are eligible for a VA loan
- Your military service meets VA requirements
- Whether your funding fee can be waived
Think of it as your green light to use the benefit you earned.
The Easiest Way for Brevard County Veterans to Get a COE
At Morgan Financial, we can pull your COE instantly through the VA lender portal.
In most cases, you do not need to:
🚫 Request records from the military
🚫 Call the VA
🚫 Dig up old discharge paperwork
If anything is missing or incorrect, we handle it with you — no overwhelm.
The COE is one of the first steps, and will show that you are eligible, however, you will still have to qualify for the loan.
Who Can Get a COE on the Space Coast?
You may be eligible if you are:
- Active-duty military member
- Veteran who served the required period
- National Guard or Reserve member with qualifying service
- Eligible surviving spouse
Many families connected to Patrick Space Force Base may be eligible and don’t realize how fast the process can be.
What If Your COE Isn’t Ready Yet?
If the VA needs updated information — like a disability rating — we guide you through next steps and follow up so you don’t miss out on using your benefit.
Start Your VA Home Journey Stress-Free
Whether you’re getting stationed at Patrick SFB, investing in Palm Bay, or planting roots in Viera, your COE is the first key to unlocking $0 down homeownership.
You served your country.
Let us serve you here at home.
We Can Help!
👉 We’ll pull your COE for you — fast and free.
Morgan Financial — Veteran-Owned. Brevard Proud.
