VA LOAN REQUIREMENTS AND RULES FOR TERMITE INSPECTIONS
VA loans can require a great deal more paperwork and can be a painstaking process for the family receiving the loan. Our goal is to make the process as easy as possible.
The Texas Official Wood Destroying Inspect Report (WDI Report) is required for all VA Loan purchases in San Antonio and the surrounding areas. Occasionally, lenders or mortgage companies will request an NPMA-33 report to be completed before closing. Texas has it's own mandated report, WDI report, which takes precedence over the NPMA-33 form. At Texas Termite Inspectors, LLC we are Certified Applicators and are licensed to submit either form.
Termites and what the VA labels "wood-destroying pests" can be a serious problem for homeowners, buyers and sellers. House hunters often worry about the condition of older homes when it comes to these pests, and in some cases rightfully so.
To the untrained observer, termite infestations are very difficult to spot unless there is obvious damage. Fortunately, VA loan rules are designed to protect the buyer and the property the VA borrower wants to purchase.
According to the Department of Veterans Affairs, "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."
San Antonio falls on the border of 'moderate to heavy' to 'very heavy'.