VA Loan Termite Inspection: Protect Your Dream Home From Hidden Damage

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Don’t Let Termites Devour Your Dreams!

Learn when a VA loan termite inspection is crucial to protect your investment.

The dream of owning a home is a cornerstone of the American experience, especially for veterans. But termites can turn that dream into a nightmare.

A Tiny Foe, a Mighty Threat

Termites are silent destroyers capable of dismantling your home’s foundation. Their appetite for wood can compromise structural integrity, leading to costly repairs.

When using a VA loan, the stakes are higher. The Department of Veterans Affairs wants to ensure veterans acquire safe housing. A termite inspection is often mandatory.

Navigating the Termite Inspection Maze

The necessity of a termite inspection for a VA loan depends on location.

The VA uses the Termite Infestation Probability Map to highlight regions with varying degrees of termite activity. Areas with heavy or moderate infestation risks almost always require an inspection.

When the Coast is Clear (or Maybe Not)

Not every state or county requires a termite inspection. Some areas are considered low risk.

If you’re pursuing a VA Streamline Refinance (IRRRL), you’re generally exempt unless the VA appraiser identifies potential pest issues.

The Discretionary States: A Gray Area

In discretionary states, a termite inspection is triggered only if the VA appraiser suspects a problem. These states include:

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

Even within these states, specific counties or parishes may have differing requirements.

Why You Should Still Consider an Inspection, Required or Not

Even if not mandated, a termite inspection provides peace of mind.

It assures you your home is free from wood-destroying pests. If termites are discovered, you can address the issue before finalizing the purchase.

Decoding the Termite Inspection Process

The termite inspection for a VA loan usually coincides with the appraisal.

1. The Deep Dive Inspection: A qualified appraiser searches for signs of infestation, including:
   • Bedbugs
   • Carpenter ants
   • Spiders
   • Snakes
   • Rodents
   • Scorpions
   • Moths
2. The Detailed Report: The appraiser provides a comprehensive report detailing:
   • The types of pests found (if any).
   • The location of the infestation.
   • Any existing damage caused by the pests.
   • Recommendations for necessary treatments or repairs.
3. Remediation and Follow-Up: If infestation is found, a follow-up inspection is required to confirm the problem has been addressed.

Who Pays the Piper? The Cost of Protection

While traditionally the seller paid, the buyer using a VA loan can now also pay for the termite inspection.

The Price of Peace of Mind

A typical termite inspection ranges from $50 to $280. Bundling it with a general home inspection might unlock discounts.

The Inspection Clock: How Long is it Valid?

A termite inspection for a VA loan is generally valid for at least 90 days.

However, this timeframe is a VA lending requirement and doesn’t guarantee the home will remain pest-free during that period.

The Bottom Line: Knowledge is Your Best Defense

A termite inspection is a crucial safeguard. While some states mandate it for VA loans, it’s a wise consideration regardless.

Research the rules applicable to your county or parish.

Educate yourself about VA loans and termite inspection requirements to secure your dream home, safely and soundly.

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