And what steps should I take to obtain a direct or VA-backed mortgage loan?
First, applying for your COE is only part of the process for getting a direct or VA-backed mortgage loan. Your next steps will depend on the type of loan you want and your lender. For most loans, the lender will be a private bank or mortgage company.
What do I need If I was a member removed from the Reserves and I was never activated?
simple you will only need:      A copy of your last annual retirement points, and Proof of your honorable service