What Are the Home Inspection Requirements of a VA Loan?


Because San Antonio has such a vast military presence (Fort Sam Houston, Randolf Airbase, Lackland Airbase, the former Kelly Airbase, etc.), we get a lot of inquiries and bookings from clients purchasing a home with a VA Loan. I would estimate that a 5th of all homes purchased in the San Antonio area are probably backed by a VA Loan. I find that my clients call, explain that they are purchasing a house with a VA Loan, and wonder what they need to do next.


VA Loans Require a Termite/WDI Inspection


The primary difference between other loan types and VA loans is the requirement of WDI, or Wood-Destroying Insect inspections of all habitable structures on the property. This requirement holds true whether you are in San Antonio, New Braunfels, or any other part of Texas. Not a big deal if you hire an inspector that has the licensing required to perform a termite inspection (such as Ensure Home Inspections!), but if your home inspector doesn’t have the licensing, you will likely need to hire a third-party pest control company to perform the inspection.

The cost of termite inspections vary, but in the San Antonio area, the average price ranges from about $75 to $120.

Otherwise, the home inspection report that you recieve should be identical to the report you would receive for any other loan type. For all buyers out there shopping for a home with a VA loan, just make sure that your inspector is qualified to give you the WDI report them-self in order to ensure you have the most time to make negotiation arrangements for your home.



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What Are the Home Inspection Requirements of a VA Loan? 1

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