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What is FHA termite pest inspection?

If you plan to get mortgage from the Federal Housing Authority (FHA) for your property, then part of the requirements for you to be granted this mortgage insurance is that your property must undergo an FHA pest inspection and this is especially for the termites that might have infested your property. Termites are the most common destructive pests that live in our homes and they mostly destroy wooden property.

FHA termite inspection guidelines

There is a special form known as the NPMA-33. This form that has been prepared by the National Pest Management Association (NPMA), is always used to determine whether there is any form of Wood that has been destroyed by an insect or organism. On this form you will find 5 sections that must be filled. Section 3 specifically underlines the recommendations that have been made after the findings so that the infestations do not occur again.

Once the FHA is satisfied with all the above, you will then be given the mortgage. This is extremely important because there is no need of purchasing a property that has been infested by termites only for its value to depreciate because of the same. Another thing to note is that for new buildings, these must we guaranteed by the company that is undertaking the construction. The constructor must ensure that proper termite treatments have been made on the building to prevent any future infestations that might occur. For properties that have already been developed, the FHA inspection is only required if there is a full blown termite infestation.

Now as in any sale agreement you will have to decide with the buyer between the two of you who will pay for the FHA termite inspection.

So it better to prevent that to cure. Ensure that your house is free from any termite infestation before you sell. You can check out my previous articles about getting rid of termites in your house.