VA Certificate of Eligibility (COE)

Ask your lender to pull the COE early, or work through VA’s process with your documentation. Chris Harrison on the MoJo side pushes buyers to clear this early so lender review and offer strategy start cleaner.

What to have ready

Service history documentation (DD-214 or equivalent as applicable)
Identity and Social Security information your lender requests
Prior VA loan details if you have used the benefit before

See the COE checklist for a practical packing list. MoJo does not issue COEs — that is VA/lender territory.

If you have used VA before

Remaining entitlement and restoration questions matter. Do not assume full entitlement. Have Ashley / FSB calculate what is available before you bid at the top of your range.

Roles stay split

MoJo = real estate (KS/MO)

Search, showings, negotiations, inspections, and closing coordination in Kansas and Missouri. MoJo is not a lender and does not set rates or approve loans.

Ashley / FSB = lender review

Ashley Jones (NMLS 1739681), First State Bank Mortgage, reviews VA purchase and refinance scenarios. Loans subject to approval, licensing, and underwriting. No promised rates.

Lender review: Ashley Jones, FSB

NMLS 1739681 · (816) 872-6348 · [email protected]

Start Ashley’s FSB application

First State Bank Mortgage is a division of First State Bank of St. Charles, MO, NMLS ID: 416668. Equal Housing Lender. Authorized to lend in all 50 states. Not a loan commitment. All loans subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions can change without notice. Restrictions may apply.

Certificate of Eligibility — get it before you fall in love with a house