What is a Termite Inspection on a VA loan and who is responsible for paying for it?

With the competitive market we are currently experiencing, home prices have increased by 32.6% from this time last year. Before you purchase a home, you want to know the facts about the pests that might be hanging out, living rent free! If you elect not to have an inspection how would you know about the critters potentially occupying the crawl space, attic or even on a slab? Regular home inspectors are not always trained to spot termites or previous damage, so a licensed termite inspector is usually required or at minimum recommended.

How VA Loan Pest Inspection Works

A VA pest control inspection is conducted by having a licensed inspector search the home to look for any termites or pests. They search for any damage that the pests are the source of.

If your inspection finds evidence of termites or pests,  you may require an additional inspection.

Clear termite letters are not required if you live in the states of:

  • Wyoming
  • Oregon
  • Wisconsin
  • South Dakota
  • Maine
  • Minnesota
  • Alaska
  • Colorado
  • Idaho
  • Montana
  • North Dakota

What About Other States?

United Atlantic Mortgage is licensed in North Carolina and Virginia, therefore the inspection and clear letter are ALWAYS required. Most states DO require an inspection. You should always check the requirements for the state AND county in which you are purchasing.

Who Pays for the Inspection?

Previously, Veterans could not be charged for the required termite inspection and the seller, realtor, or lender may pay for it. Effective June 15, 2022, the veteran borrower can now be charged and pay for the termite inspection according to VA Circular 26-22-11. Keep in mind that the veteran isn’t required to pay for the inspection but rather is allowed to pay. You may not need to pay for the pest inspection if it is already going to be paid by any other party to the transaction. In addition, the veteran is allowed to pay for any required repairs resulting from active and/or previous termite damage. Keep in mind this can be a negotiation point at the time of your offer to purchase.

Do Termite Inspections Expire?

As a requirement to meet VA standards, Termite letters are only valid for 90 days.

Why a Pest Control Inspection Is Important

First, to reduce any structural damage that may be found. Second, a lender will not lend on a property with active termites or any damage that has not had a proven treatment prior to purchase. You’ll maintain the property value by ensuring that there aren’t any pesky pests or termites lurking in the dwelling. Having peace of mind, knowing there aren’t bugs crawling around inside your home causing damages that you are aware of.

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