How Do Termite Inspections For VA Loans Work?
Termite inspections for a VA loan typically are performed around the same time as your appraisal or home inspection. Let’s take a closer look at the steps your inspector will take during the process.
Conduct An In-Depth Inspection
If you need a termite inspection as part of the process for taking out a VA loan, your independent VA appraiser will do a detailed and careful inspection for any infestation. Your professional inspector will typically look for more than just termites, checking for all critters that may cause concern to your property. These critters can include:
- Bedbugs
- Carpenter ants
- Spiders
- Snakes
- Rodents
- Scorpions
- Moths
- Termites
The inspector will also look for any damage to the wood in and around your home, such as baseboards and siding.
Offer A Complete Report Of All Findings
After the inspection is complete, the inspector will give the appraiser a detailed inspection report. Depending on your state, there may be different forms due to the climate and types of pests they look for during the inspection.
That said, there are commonalities to the reports. Each form describes a general overview of what pests the inspector found (if any), where the inspector found them and if the pests caused any damage. The inspector will recommend any treatments necessary to remedy the issues they discovered.
Provide Detailed Remedies For Damage And Pests Found
If they find damage from a previous infestation or a current infestation is present, your inspector may require a second inspection to follow up on the issue. In most instances, you must treat and resolve any problem in the report. All remedies must adhere to the VA loan guidelines.
A secondary inspection will verify everything has been taken care of and meets current living standards.
