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VA Loan Rules on Termites

Did you know the VA only requires “pest inspections” on existing construction when there’s a “moderate to heavy” potential for infestation? Something called the Termite Probability Map (located in the International Residential Code) identifies areas with these designators.

But what about an infestation near the “boundary line”? If a property isn’t technically IN a moderate-to-heavy infestation area, is an inspection required? In these cases, if the home seems too close for comfort to an infestation area, the VA has the final say—VA rules state, “Contact the Construction and Valuation Section at the VA Regional Loan Center of jurisdiction to determine if this requirement is applicable.”

When it comes to areas that aren’t designated with moderate-to-heavy infestation potential, an inspection may still be warranted if the appraiser notices signs of wood-destroying pests. After all, just because the home isn’t in a known “termite zone” doesn’t mean a termite issue doesn’t exist. If the appraiser spots the problem, it becomes something that must be corrected as per VA regulations.

When an inspection is needed, the inspection company must file the proper forms with the VA. If pest control is warranted, it must be noted on those forms. Does the buyer want to know what kind of chemicals were used in any required termite abatement? VA rules state while there’s no requirement to disclose the specific chemical, but treatment companies ARE required to list the brand name of the product on the National Pest Control Association forms required. Is this information available to the buyer? Contact your local VA regional center for information. A veteran or current military buyer pre-approved for a VA home loan may be able to discuss concerns or issues with a regional VA rep.

Bruce Reichstein

About Bruce Reichstein

Bruce Reichstein is an Expert on (VA) Military/Veteran Home Loan Guidelines for over 26 years. He is an experienced VA Loan Mortgage Banker who is passionate about assisting US Military Veterans utilize their Veteran Eligibility to purchase a home.

10 Responses to VA Loan Rules on Termites

  1. Flo Knisley says:

    Does VA really requires Section 2 repairs to be done and to be paid for by seller?

    • Joe Wallace says:

      Hi Flo–without more information it’s difficult to say, but you can call the VA directly for answers in your specific circumstances– call them at 1-800-827-1000 for more detail. Thanks very much for your question!

  2. Glenda says:


    Is a termite inspection required in the area of Saginaw Michigan?

    Thank you.

    • Joe Wallace says:

      Hi Glenda–best advice I can give you regarding that is to contact your VA Regional Loan Center. The number for the RLC with jurisdiction in your area is 1-800-729-5772. Hope this helps!

  3. Tom Sheldon says:

    Is there a list off VA approved termite baiting systems?

    • Joe Wallace says:

      VA defers to local ordinances for those issues—if it’s permitted by local/city/state/federal law, it’s acceptable to the VA.

  4. john helfrich says:

    i am applying for a VA 30 yr. fixed refinance on my current FHA loan to lower our payment.the person i have been dealing with said there would be no out-of-pocket except paying for the appraisal which would be reimbursed once the loan process was completed. I just received an e-mail from the company stating that a termite inspection is required by VA. we are not trying to sell this home, we are not trying to buy this home, we are just trying to refinance it. Is this in fact a VA requirement to refinance our home?

  5. sandy says:

    Generally speaking, if you find out that you had a pest inspection done on your home (3 months after)–after the VA appraisal was done–and then come to find out that the inspection actually never happened as the termite company which was hired by the selling Realtor has no business nor actual licenses, can anything be done on the standpoint of the VA? I moved into my home 3 months ago, we have a termite infestation, however, there was an inspection “done” though we found out that it was done illegally and the “company” does not even exist.

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