Does FHA require a termite inspection?
FHA does not blanket-require a termite inspection in Florida unless the appraiser flags evidence of infestation, damage, or conditions favorable to termites.
What this actually means.
Many Florida purchase contracts and lender overlays still require a wood-destroying-organism (WDO) report, even when FHA itself does not. Treat it as a likely line item in Florida.
Where this can move.
Property condition, repair requirements, condo project approval status, and seller willingness to address flagged repairs can change the answer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.