VA Home Loan – Who Pays for the WDO in Florida

VA Home Loan Questions: What About Termite Inspections? When it comes to VA appraisals, minimum property requirements and VA regulations on "wood destroying pests", the VA only requires pest inspections on existing construction when there’s a "moderate to heavy" potential for infestation.

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Sometimes the buyer’s lender will require the WDO to be clear-free of any evidence of wood rot, termite infestation, etc., but as of the past 10 years, most lenders do not even require a WDO. A seller does typically pay for treatment of their home if there is termite infestation, but that can even be negotiable these days. Hope that helps!

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Use our free VA mortgage calculator to quickly estimate what your new home will cost. Includes VA loan limits, taxes, insurance and the latest mortgage rates.

Buyers using a VA loan can, once again, pay for the WDO and get reimbursed from the Seller at closing. Of course, the Seller may still pay for the WDO upfront although that rarely happens. WDO v. WDI: The VA/FHA/HUD/FNMA prefer the use of the national NPMA-33, Wood Destroying Insect form whereas, in Florida, FDACS requires WDO inspectors to.

Before starting your house hunt, speak with your nearest VA Regional Loan Center to learn if your area requires termite inspections. On a VA purchase loan, borrowers in all but nine states are not allowed to pay the pest inspection fee. VA borrowers can pay this fee on any VA refinance loan.

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HOME INSPECTION and HOME MAINTENANCE. Search This Blog. Welcome to our blog! We want you to be an informed homebuyer, and each blog post is a question that we have answered for our friends and customers over the years. Hope they help you make a good choice for your next home.

The VA notice of value for every "Energy Rated Home" with a value adjustment for a "Five Star" or "Five Star+" rating must state, "Lender to provide evidence of Five Star or Five Star+ energy rating." Property located in either a Red or Blue avalanche zone is not eligible to be the security for a VA-guaranteed loan.