Do VA loans require a termite inspection?
In Florida, yes in practice. VA requires a wood-destroying-organism (WDO) report in states with high termite activity — Florida is on that list. The seller usually pays the inspection in Florida customary contracts.
What this actually means.
VA's termite/WDO requirement applies to designated termite-active states. Florida's WDO report covers active and prior infestation, conditions favorable to infestation, and damage. Required treatment or repair shows up as conditions on the file. The 'who pays' question is contract-dependent — Florida convention has the seller pay for the WDO report on VA, but it's negotiable.
Where this can move.
Property condition against MPRs, repair requirements, Tidewater process, and Reconsideration of Value can change the appraised value and timeline.
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Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with the VA, HUD, or any government agency.