Does conventional require a termite inspection?
Conventional doesn't blanket-require a termite inspection nationally, but Florida contracts and lender overlays often require a wood-destroying-organism (WDO) report on conventional purchases. Florida's termite activity makes the inspection a practical requirement on most files.
Plain-English explanation
Federal conventional rules don't impose a national termite-inspection requirement. Florida-specific practice: most purchase contracts include a WDO clause, and many lenders require the WDO report as a closing condition. Active infestation or visible damage usually requires treatment and repair before closing. The seller commonly pays for the WDO inspection in Florida contracts. Subject to contract terms and lender overlays.
What can change the answer?
Property condition, comparable sales availability, appraisal waiver eligibility, and Reconsideration of Value can change the appraised value.
Want the real answer for your conventional file?
Conventional guidelines are the rule. Your credit, income, DTI, PMI, LLPAs, and Florida payment math are what decide the actual answer.
More conventional questions on Appraisal
Educational only. Conventional loan guidelines, lender overlays, rates, fees, PMI, LLPAs, and underwriting requirements can change. Final eligibility depends on full underwriting review.