Department of Housing & Community Development. The Virginia Department of Housing and Community Development (DHCD) is committed to creating safe, affordable, and prosperous communities to live, work and do business in Virginia.

 · In order to be VA loan-approved, military borrowers must show a valid Certificate of Eligibility (COE). Get your COE instantly. Here’s how.

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Fernandes, 32, works in the auto industry in Herndon, Va., and his wife, Nicole Fernandes. first-time buyer status.

The Certificate of Eligibility is known as the starting point of the VA loan process and proves to a lender that a buyer has met the VA’s service requirement. Every veteran has to meet one of the following service requirements before they can obtain a VA loan: 181 days of service during peacetime; 90 days of service during war time

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