Pest inspection: Is it a requirement to get a mortgage?

Whether you’re a new or longtime homeowner, you don’t want pests in your home. After all, they can cause serious damage and even disease. 

Fortunately, a pest inspection can quickly indicate whether you have an infestation problem. Unlike a home inspection that evaluates the property’s overall condition, a pest inspection focuses on detecting any signs of insects or rodents, so you can respond accordingly.

Read on to learn more about pest inspections, how they work, and when they’re required.

What is a pest inspection?

A pest inspection is a special home examination that searches for insects or rodents that could cause damage or health risks. For example, termites silently eat away at wood and weaken a home’s structure. Meanwhile, rats can spread diseases.

Many homeowners get a pest inspection around the same time they get a home inspection or appraisal. A home inspector or appraiser may even recommend one if they notice signs of pests. However, you can request a pest inspection whenever you suspect a problem.

Who can perform a pest inspection?

Pest inspections are typically performed by licensed pest control companies that also offer extermination services. While you can inspect visible issues yourself, a professional inspection is more thorough and is often required. For example, if your mortgage lender requires a pest inspection, a licensed professional must perform it.

When is a pest inspection required?

A pest inspection may be required for certain mortgage programs. 

For example, VA loans require a pest inspection in 35 states and territories and in some counties across an additional eight states. In the remaining states, you only need one if the VA appraisal report notes specific issues. The same goes for VA Streamline refinances (VA IRRRLs). You only need a pest inspection if an appraiser identifies signs of pest activity. 

Similarly, FHA loans require a pest inspection if there is evidence of possible pest infestation.

When is a termite inspection required?

A termite qualifies as a pest and therefore falls under the scope of a pest inspection. In other words, a termite inspection is required for all VA and FHA loans that meet the above conditions. In some cases, the seller may be required to pay for the termite inspection.

What does a pest inspection entail?

A pest inspection often involves the following steps:

Search for infestations

First, the inspector looks for signs of pests. Depending on the region, these pests may include:

• Subterranean and above-ground termites
• Bedbugs
• Cockroaches
• Bees and other stinging insects
• Carpenter ants
• Various kinds of rodents
• Spiders
• Snakes
• Scorpions
• Moths
• Wood-destroying insects

Evidence of the above can include wood damage, insect droppings, and bite marks. 

Evaluate any structural damage

Next, the inspector evaluates any structural damage caused (or entered through) by pests. Common areas of attack include floorboards, baseboards, walls, and siding. If any structural damage is detected, it must be repaired after the pests are removed.

Provide a detailed pest report

Once the inspection is complete, the inspector issues a pest report to the appraiser. While the format varies by state, the report typically outlines what pests were found, where they were discovered, the damage caused, and recommended treatments. Of course, the discovery of pests may hurt the home appraisal, impacting buying and lending decisions. 

Make recommendations for treatment and damage repair

Any identified pest issues must be treated and repaired to the satisfaction of the inspector before you can be approved for a mortgage. This may require a single exterminator visit or a longer treatment plan if the issue is severe enough. Either way, your inspector may recommend a follow-up inspection to ensure the issue has been fully resolved. 

How long does a pest inspection take?

Most pest inspections take 30 minutes to an hour to complete. However, they may take longer if the home is large or includes hard-to-access areas like crawl spaces and attics. 

Keep in mind that once the inspection is complete, a report must be sent to your mortgage lender, which can add 1 – 2 days of processing time. Furthermore, any needed repairs or treatment will add additional time, so schedule them quickly to speed up the process. 

Finally, once the repairs and treatment are complete, a follow-up inspection usually confirms that the damage and pests have been eliminated. 

Should you get a home pest inspection?

If you’re using a VA loan, many states require a termite inspection. Even in states without a blanket requirement, you’ll need one if the appraiser sees signs of pests. Without it, your loan approval could be delayed or denied.

But mortgage requirements aren’t the only reason to get an inspection. A pest inspection can give you peace of mind, helping you avoid costly repairs and ensuring your home is safe and pest-free before you buy.

FAQ

Here are answers to frequently asked questions regarding pest inspections:

Are pest inspections required?

Pest inspections are required in certain cases, such as when applying for a VA loan in many states or if a home inspection reveals pest problems.

Which pests can cause the most damage to a home?

Termites, carpenter ants, and rodents are some of the pests that can cause the most home damage.

The bottom line: Pest inspections are worth it

A pest inspection can identify insects and rodents that could damage your home and pose health risks, making it an important home buying step. Getting one can not only help you satisfy mortgage requirements but also give you peace of mind by catching issues early.

If you’re ready to take the next step toward homeownership, start your mortgage application today and ensure your dream home is safe and pest-free.