"If you're planning to use a VA loan, you'll probably hear someone mention a Certificate of Eligibility, or COE.

Don't let the name intimidate you.

A COE simply confirms that you've earned the benefit through your military service. It's one of the first steps in the VA loan process, and it's something I help clients with all the time.

Most veterans have never requested one before, so don't worry if you're not sure where to begin.

Getting this taken care of early can help everything move a little smoother once you're ready to buy.

Takeaway: Your COE is your starting point. Getting it early saves time later."