Pest Inspection for VA Loans - Quicken Loans Zing BlogOne of the benefits of buying a home with a VA loan is that you’re guaranteed for it to be move-in ready. In other words, you’re not going to face unexpected leaks, sparks or surprises when you move in. You’ll also be guaranteed that your home is pest free.

In certain parts of the country (more than 30 states), you are required to get a pest inspection on the home you are buying before you are allowed to close. However, one of the biggest pain points for most buyers – and sellers – is that the homebuyer wasn’t allowed to pay for the inspection. That is, until now.

Just recently the Department of Veterans Affairs have relaxed their guidelines to allow veterans to be able to pay for their pest inspections in the following states (for home purchases):

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

If you’re buying a home with a VA loan and you live in a state other than those listed above, the inspection cannot be paid for by the veteran.

If you’re refinancing your home, there are no restrictions on who pays for the inspection, so that’s great news!

Please keep in mind, this doesn’t change the requirements for needing an inspection – you’ll likely still need to get one of those. But what these new developments do is allow you, as a veteran or service member, to speed up the home buying process by paying for it yourself rather than waiting for someone else.

VA Requirements

Pest inspections are required in all states except the following:

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

These are considered discretionary states and an appraisal is needed only if the VA appraiser notes an issue during the appraisal process.

How the inspection works

The independent VA appraiser will look for any infestation or damage to the home from all wood-boring insects, most typically termites.

If the inspector finds that the home is infested, or still has damage from a previous infestation, a follow-up inspection may be required. While the VA doesn’t specify who is responsible for paying for treatment of termite damage, some states and lenders require the seller to pay for repairs up to a certain dollar amount.

To find out more information about VA loan pest inspections, please don’t hesitate to reach out to one of our VA Home Loan Experts! We’re here to help!

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This Post Has 13 Comments

  1. I am trying to refinance my condo with a VA loan and the inspection of any structural components like the roof boards, eves and fascia boards are the responsibility of the HOA to replace if needed. There is visible damage needing replacement, and this is the HOA responsibility per the CCRs (Covenants Conditions and Restrictions) and has been paid for by my 27.5 years funding this through the monthly dues assessment payments. The property management company refuses to address this in a timely manner. Any suggestions short of attorney intervention? Thanks

    1. Hi Louis:

      Attorney intervention might ultimately be necessary. If they refuse to take care of it and the inspection has found things that are visibly wrong that they are supposed to take care of, I think you would have a very good case. There’s really nothing I think you could do to make them move any other way. If you don’t pay your dues, they could theoretically put a lien on your house depending on how your Association is set up. So you don’t want to go that route.

      Thanks,
      Kevin

  2. The recent WDI/WDO Pest inspection I had done for my VA loan refinance showed no termites.
    However, there was some joists or beams that need to be replaced due to fungi. Do I need a class A contractor to completed the work? Or, can choose a class B or C contractor to perform the work? What is the requirement on which type of contractor to choose? Thanks.

    1. Hi C:

      It looks like that’s dependent on the type of work that needs to be done as noted by the inspector. I see that you’re working with us. I’m going to get this over to our Client Relations team to give you more information and get you on your way.

      Thanks,
      Kevin Graham

  3. It will be good if we do a pest inspection in our new home as it will guarantee us that there will be no pest problem for the longest time. Pest companies also suggest the same.

  4. 1. I live in Cailornia and I’m in the process of doing a V A refinance. Why is it necessary to have a pest inspection since I’m refinancing? Section 13.06 of the V A handbook states only if appraisal report indicates it’s required. Nothing on appraisal report states that yet the mortgage broker told me it’s required.
    2. The result of the pest inspection by Terminex indicating I have to put a tent over the house and have the house fumigated. Yet the inspector said I have very little damage.
    Appreciate any thoughts.

    George S

    1. Hi George:

      The VA has this requirement for the protection of the buyer in certain counties. It’s meant to make sure the house is ready to move into on day one. I’m not an expert in fumigation, but I’m assuming the tent might help prevent future problems.

      Thanks,
      Kevin Graham

  5. I don’t see where it’s a good thing to pay the $600.00 pest inspection cost, or whatever, that was once paid for by the seller. I’ve had three VA loans and they all closed within 30 days. The pest inspection paid for by the seller never slowed the process down for me. Sounds like another VA benefit has been reduced.

    1. David:

      There’s nothing in these regulations that says the buyer has to pay for the past inspection. The buyer has the choice to do so if it’ll help sweeten the deal for the seller. Other than that, nothing has changed. Thank you for your service!

      Kevin Graham

  6. This is an important health issue. I could not keep up with the mice and hired a great firm that helped get rid of them and keep them out. They guarantee being pest free for three years. I did cost almost $3,000 and worth every dime.

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