VA Loans and Termite Inspections

www.zerostressmortgage.com NMLS #247743 Jennifer Beeston

Who Pays For The Pest Report?

The 9 states where VA buyers can pay for a termite inspection are:

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

In all other states the buyer is not allowed to pay for termite inspection.  The lender will verify the buyer did not pay for the report by asking for proof so be prepared.  This does not mean the seller has to pay for the report.  The Realtors could pay for the report as well.

States You 100% Need A Termite Inspection In

If you are buying or refinancing a property in the following states, then a termite inspection and clearance will be required. The exception is if you are doing a VA IRRL Streamline refinance.

  • Alabama
  • Arkansas
  • Arizona
  • California
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Mississippi
  • Missouri
  • North Carolina
  • Nebraska
  • New Jersey
  • New Mexico
  • Nevada
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • West Virginia
  • Washington, D.C.

*States You Do Not Need A Termite In

*These states do not require a termite inspection unless the VA appraiser calls one out on the appraisal which is rare unless there is something very clearly to the eye going on.

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

 The Fun 5: In These States It Depends On The County

In these states It is county by county so make sure you check the county

  • Michigan
  • New Hampshire
  • New York
  • Vermont
  • Wisconsin

Check out this link for exact counties https://www.benefits.va.gov/HOMELOANS/appraiser_cv_local_req.asp

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