Find Out More About VA Loan Termite Inspections

In this article...
  • Veterans can get a loan for buying a new home, but who covers inspection costs? Discover everything you need to know about VA loans and termite inspections.
Roofers at work on a home roof

In return for serving the nation, veterans and their families are entitled to an array of benefits, including a loan for purchasing a home. As a prospective buyer, it's important to make sure there are no pest infestations before closing a deal. Termites can cause serious structural damage, but it's not always easy to spot unless you're a trained professional. Read on to find out more about who covers the cost of a VA loan termite inspection.  

Is a Termite Inspection Required for a VA Loan?

Termite inspections are generally required in areas where there's a moderate to heavy or very heavy chance of termite infestation. If a buyer is looking to purchase a home in a place with a mild risk of wood-destroying pest infestation, they should be able to buy the property without an inspection.

According to the VA website, only Hawaii requires an inspection as standard, but it's a likely requirement in many locales. If there's clear evidence of a wood-destroying pest infestation, you'll need to get in touch with the Construction and Valuation Section at your local VA loan center.

Who Pays for a VA Loan Termite Inspection? 

In nine states, a veteran might need to cover the cost of VA loan termite inspection, but in most cases, VA loan rules stipulate that the borrower isn't allowed to pay. The states where veterans might need to cover the cost of VA loan termite inspection are:

  • Alabama
  • Arkansas
  • Arizona
  • California
  • Florida
  • Louisiana
  • Mississippi
  • Oklahoma
  • Texas 

When Does a VA Termite Inspection Expire?

In relation to getting a VA loan termite inspection, the PC-9 form is valid for 90 days. Be careful though, expiration of the form doesn't guarantee that the property won't be infested by termites in the future.

What Causes a VA Appraisal to Fail?

There are five main reasons for a failed VA appraisal, and it's good to become familiar with them before getting emotionally invested in an unsuitable property.

  1. Termite and pest control problems, fungus and dry rot 
  2. Homes without sufficient heating
  3. Malfunctioning or unsafe electricity supply
  4. Broken windows
  5. Damaged roof

You can find out more about the eligibility requirements for VA loans on the VA website, or by calling at 1-800-698-2411.