Termite Report When To Require

When to Require a Termite Report in a

Purchase

John Easterbrook & Patty Aguon

(916) 224-7653 & (916) 833-5063Mortgage Loan Originators

Licensed – NMLS #226555 & 994635

Information in presentation intended for real estate professionals only.

It may be removed from the contract with the following verbiage on an Addendum:

“The termite report and clearance to be removed from the purchase contract.”

Termite Reports are required:If Written Into A

Purchase Contract


Section I is required, but Section II may be required if it can lead to infestation (underwriter discretion)

Termite Reports are required:On VA loans


In some situations, the appraiser or underwriter may call for a termite report and clearance if a house has an excessive amount of visible dry rot, obvious infestation, etc.

Termite Reports are required:If Called For By The

Appraiser Or Underwriter


Section I clearance is required, but Section II may be required if it can lead to infestation (underwriter discretion)

If further inspection is mentioned in the report, a re-inspection may be required to determine no active infestation and to confirm structural soundness

When A Termite Report Is A PartOf The Transaction


This is a Powder Post Beetle


This is aSubterraneanTermite

This is evidence of them


This is a DrywoodTermite

This is their evidence- droppings


Termite Tips Do not ask for a termite report in the

contract Have your buyer do their inspections

including the termite report, and ask for repairs accordingly (buyer cannot pay for report on a VA only)

Both sellers and buyers can pay for termite repairs


Information in presentation intended for real estate professionals

only. Not for consumer use. VITEK Mortgage Group is licensed by

the Department of Business Oversight under the California

Residential Mortgage Lending Act. NMLS # 37408

Questions?Call me at (916) 224-7653

Real Estate

Termite Report When To Require