VA Loans and Termite Inspections

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Written by J. Wallace Jr.   
Tuesday, 21 June 2011 10:42

VA Loans and Termite Inspections

Terry Jones Staff Writer For VA Loan News

6/21/2011

Wood destroying insects and other organisms can cause serious problems in the wood

Structural components of a house and may go undetected for a long period of time. In

Order to achieve maximum assurance that a home is free of any infestation, the VA requires a Termite Inspections for all Veterans and Active Duty Service Member whom are purchasing a home using there VA Loan Eligibility or Refinancing out of a FHA or Conventional Mortgage loan and into a VA Mortgage Loan. We sat down with a VA Mortgage Underwriter at The VA Hotline in California to ask some questions.

 

1.  On an existing property, is a termite report required?

Termite inspections are required on existing properties if they are located in an area where the probability of termite infestation is "very heavy" or "moderate to heavy" according to the Termite Infestation Probability Map published in the International Residential Code.

2.  Is a termite inspection always required when a veteran is purchasing a property using VA financing?

Yes VA requires pest inspections for properties that are located in an area where the probability of termite infestation is "very heavy" or "moderate to heavy" according to the Termite Probability Map published in the International Residential Code.

3.  Is there a required termite form?

There is no VA form to be completed regarding termites.  Forms are supplied and completed by the pest inspection company performing the inspection.  VA requires the applicable National Pest Management Association form (NPMA-33, NPCA-99A, NPCA-99b) completed by the pest inspection company performing the inspection.

4.  Does VA require that the type of chemical used to treat the property be stated on the termite form?

VA does not have a requirement to disclose the type or name of chemical used by a termite company.  VA requires the use of the National Pest Control Association forms, NPMA-33, NPCA-99A and NPCA-99B as applicable.  For proper completion, these forms require the inclusion of the brand name of the product used.

5.  When is a termite certification required on condominium units?

A wood destroying insect inspection is required in low rise and high rise units only when the VA appraiser observes a potential problem.