A Guide to VA Loan Termite Inspection

Are you considering buying a home? And you are also an eligible veteran or service member? If we have our guesses right, you must be considering getting a VA home loan, aren’t you?

Now that you’re already at it, you must know that to get the loan approval, your prospective property should meet the Department of Veterans Affairs (VA) standards. One such requirement is the termite inspection. Honestly, this might look like a hassle at first, but it is for your own good. These inspections are a great way to safeguard you and your family from potential structural damage caused by these uninvited guests – pests.

A VA loan termite inspection is the best way to identify any signs of infestations that could compromise the safety and stability of the home. In this blog, we will walk you through everything you need to know about the VA loan termite inspections.

What is a VA Loan Termite Inspection?

If you’re buying a home with a VA loan, then you might also be expected to get a VA termite inspection done. This is no different than a regular termite inspection. During the process, a qualified professional examines your property not just for pests but also for wood damage. With the help of these inspections, it gets easier to ensure the structural integrity and safety of your property.

But Why is a Termite Inspection Necessary?

There’s no doubt that termite infestations can be a nuisance. In fact, they can also be expensive. However, minor damage caused by these intruders can be repaired easily and inexpensively. But, if your home unfortunately ends up with larger infestations then it could end up as an unexpected money pit.

Does Every State Require a VA Loan Termite Inspection?

Termites are a more common issue in some regions of the U.S. than others. This is why termite inspection requirements tend to vary by state and, at times, even by county. Additionally, these requirements can also change over time. So, it is better to do your own research and find out what are the requirements for VA loan approval in your state/area. However, regardless of the location, a VA loan almost always requires a termite inspection. This is especially true if the wood-destroying insect damage becomes obvious in the independent appraisal required by the VA.

How Does a VA Termite Inspection Work?

The process of VA termite inspections is the same as that of regular termite inspections. Here, a qualified inspector visits your home and examines its interior and exterior. They mainly look at the attics and crawl spaces, searching for the signs of pests and termite infestations. These signs include:

  • Pest sightings
  • Wood damage in or around the property
  • Insect droppings
  • Discarded wings

However, a termite inspection for a VA loan is a search for not just the termites but for all kinds of pests that can lead to wood damage. These include:

  • Termites
  • Powderpost beetles
  • Carpenter bees
  • Carpenter ants

If the inspector ends up noticing other issues like the ones with rodents or other insects then they will be adding that too in the report. In fact, they will add everything that might make the property vulnerable to pest infestation.

Usually, termite inspection reports are valid for up to 3 months. This allows you to complete the closing process and handle the issue.

Remember, this validity period is only for the process of VA loan. This doesn’t at all guarantee that pests won’t make their way back to the house between the time of inspection or move-in date.

Who Pays for a Termite Inspection on a VA Loan?

Back in the days, the buyers were not expected to pay for the termite inspections themselves. But, now that the VA termite inspection requirements are changed, all of the borrowers are expected to pay for the inspections.

What if the Property Fails the VA Termite Inspection?

If your prospective home fails its VA loan termite inspection, then there will be a need to address the issue. Often, the inspection report comes with guidance and recommendations about how you can treat the issue. So, either you or the seller will be paying for these repairs. Basically, it depends on where you are planning to buy the property (the state) that decides whether it be you or the seller paying for the repairs. Whatever the case is, the VA encourages you to negotiate with the seller about the repair costs.

What Are the Next Steps After the Termite Inspections?

Once the termite inspection is done, you’re a step closer to closing the deal and finally owning your house. Here’s what you need to do next:

  • Thoroughly review the inspection report, and if you have any questions, ask the seller.
  • If there is a need for any treatment, get quotes from well-reputed pest control companies
  • Schedule repairs and follow-ups before you end up closing the deal
  • Submit all of the paperwork to the lender – confirming the treatment
  • Finally, walk through the house (once again) before closing and ensure there are no termite signs anymore
  • Close on time and start making new memories in your termite-free home

Conclusion

A VA loan termite inspection is a very important step to ensure that your new home is safe, secure, and free from any hidden pest damage.

Yes, it does seem like an extra task at first, but ultimately it proves to protect you from costly repairs, and headaches down the road. Once you understand the inspection process, know what to expect, and address any issues promptly, you won’t only protect your investment, but also ensure your family’s well-being.

So, as you move closer to closing on your VA loan, make sure your home passes this important inspection and enjoy the peace of mind that comes with a structurally sound, termite-free home.Protect your home and investment with a thorough pest inspection from The BrickKicker! Our certified inspectors specialize in identifying termites, carpenter ants, and other wood-destroying pests that could cause costly damage to your property. Whether you’re buying a new home or maintaining your current one, our expert pest inspections give you the peace of mind you deserve. Don’t wait for infestations to take hold—schedule your comprehensive pest inspection with The BrickKicker today and keep your home safe from hidden threats!