How Does a VA Loan Number Work?

Christian Worstell
In this article...
  • With a VA loan number, you can apply for a zero-down mortgage. Find out how to start the process of purchasing a home with this veteran benefit program.

The VA loan number identifies your mortgage with Veteran Affairs. You will receive the 12-digit number when your VA home loan agent requests an appraisal on the property you want to buy.

How Do I Find My VA Loan Number?

You can reach out to a representative at the VA Regional Loan Center to find out your VA loan number. Call 1-877-827-3702 from 8 a.m. to 6 p.m. Eastern time Monday through Friday.

How Do I Qualify for a VA Loan Number?

To apply for a VA mortgage and obtain a loan number, you must meet minimum service qualifications that include:

  • 90 to 181 days of active duty for those who served between September 1941 and September 1980 
  • 24 months or the full assigned active duty period for those who served from October 1980 until present (90 days for those currently serving)
  • 90 days of active duty in the National Guard or Reserve

If you received honorable discharge with a service-related disability, shorter minimum service requirements apply.

How Do I Apply for a VA Loan Number?

If you meet the service qualifications above, you can request a Certificate of Eligibility on the VA website. Then, you can find a lender that writes VA loans and provides your COE. As you go through the mortgage process with your selected VA lender, you will have to submit documentation about your income and go through a credit check. At the same time, you can look for a home to purchase.

The VA will inspect the property to ensure it meets health and safety requirements. You will also need an appraisal to determine the property value, at which point you will receive your loan number and move forward with the mortgage process.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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