Getting your paperwork ready for a VA cash-out refinance
Step 1: COE first
Prep note
Lenders need your Certificate of Eligibility to confirm you can use the VA benefit and to see your entitlement and funding fee status. Many lenders can retrieve it online in minutes; you can also request it yourself through VA. Getting it early surfaces any record problems before the appraisal is ordered.
Last reviewed against the primary sources listed below.
Ways to request it
- Through your lender.
- Online through VA.
- By mail, if online records are incomplete.
Prep questions
Do I need a new COE for a cash-out refinance?
The lender needs a current COE for the new loan, even if you used one before.