Book a termite inspection

VA Termite Inspection & WDI Report in New Jersey

Buying a home with a VA loan in New Jersey? Your lender will need a wood-destroying insect (WDI) report before closing. Silver Bullet Pest Control performs VA termite inspections across North Jersey, completes the official NPMA-33 form your lender asks for, and — if termites are found — handles the treatment and the paperwork so your closing stays on track.

Call (973) 510-2585 or request your VA inspection online.

What we do

VA termite / wood-destroying insect (WDI) inspections for home purchases and refinances
Completed NPMA-33 Wood Destroying Insect Inspection Report, signed by a New Jersey licensed pest control professional
Report sent directly to your lender, real estate agent or attorney
Termite treatment when active termites are found — liquid soil treatment or bait systems
Treatment documentation and clearance letter for your lender
Re-inspections when a lender needs an updated report

Does the VA require a termite inspection in New Jersey?

Yes. The VA decides where WDI information is required based on termite risk, and New Jersey is on the VA’s list of states where it is required statewide. That means almost every VA purchase loan in NJ needs a WDI inspection report before the loan can close. Your lender may also have its own rules, so always follow the conditions on your loan approval.

For the full details — how the VA decides where inspections are required, validity, who pays, new construction and a buyer checklist — read our guide to VA termite inspection requirements in New Jersey.

Even where a report isn’t required, the VA appraiser can call for one if they see signs of termites or wood damage during the appraisal.

What VA lenders need: the NPMA-33 (WDI) report

VA lenders ask for the NPMA-33, the standard Wood Destroying Insect Inspection Report used for VA, FHA and most conventional loans. On the report we document:

Whether there is visible evidence of termites or other wood-destroying insects (carpenter ants, carpenter bees, powderpost beetles)
Any visible damage and where it is
Signs of previous treatment
Areas we could not inspect (finished basements, stored items, blocked crawl spaces) and why

The report is completed and signed by a licensed pest control professional, as lenders require. Most lenders want the report dated close to the closing — many accept it for about 90 days — so we recommend scheduling once your contract is signed and your loan is in process.

What happens during a VA termite inspection

Exterior: foundation, sill plates, wood-to-soil contact, decks, porches, garages and any wood structures attached to the home.
Interior: basement or crawl space, framing, joists and other accessible wood for mud tubes, frass, hollow wood and damage.
Moisture check: leaks, wet wood and conditions that attract termites.
Report: we complete the NPMA-33 and send it to the people you choose — buyer, agent, lender or attorney.

Please make sure the basement, crawl space and garage are accessible on the day of the inspection. Blocked areas can’t be inspected and will be noted on the report.

If termites are found: VA termite treatment

If the inspection finds an active infestation, the VA requires it to be treated before the loan can close. We take care of it:

Treatment with a liquid soil treatment or a termite bait system, depending on the home and where the activity is (see how they compare).
Proof of treatment for your lender, with the treatment date and products used.
Updated report / clearance letter once treatment is complete, so the lender can clear the condition.

If there is wood damage, the lender may also require it to be repaired (we handle termite damage repair too), and in some cases checked by a contractor or structural inspector. We note the location and extent of damage on the report so the right people can fix it quickly.

Who pays for the VA termite inspection?

Who pays is worked out between buyer and seller in the purchase contract, and your lender will confirm what’s allowed on your loan. We can bill the buyer, seller, agent or attorney — just tell us when you book.

Why VA buyers and agents call Silver Bullet

Licensed and insured New Jersey pest control company
We know the NPMA-33 and what VA lenders look for, so reports don’t come back with questions
Inspection, treatment and clearance from one company — no waiting on a second contractor
Fast scheduling to keep your closing date
English and Spanish service — información en español

Areas we serve

We perform VA termite inspections throughout North New Jersey, including Bergen, Passaic, Essex, Hudson, Morris and Union Counties. Find your town: Bayonne, Clifton, Bloomfield, Cranford, Denville, Bergenfield and more.

VA termite inspection FAQ

Is a VA termite inspection the same as a WDI inspection?

Yes. “Termite inspection,” “WDI inspection,” “pest inspection” and “NPMA-33” all refer to the same wood-destroying insect report that VA lenders require.

How long is the report good for?

It depends on your lender. Many accept a report for about 90 days. If your closing is delayed, the lender may ask for an updated inspection.

Do I need to be home for the inspection?

No, as long as we have access to the whole home, including the basement, crawl space, attached garage and any decks or porches. Your agent can usually arrange access.

What if the house was treated for termites before?

Previous treatment is noted on the report. If there are no signs of current activity, past treatment alone usually doesn’t hold up a VA loan. If the home is under a termite warranty, have the paperwork ready — lenders often ask for it.

Do you also do inspections for FHA and conventional loans?

Yes. We complete the same NPMA-33 report for FHA, conventional and cash purchases, and for sellers who want an inspection before listing.

Learn more about termites

Schedule your VA termite inspection

Under contract with a VA loan? Call (973) 510-2585 or book online and tell us your closing date — we’ll get your NPMA-33 report to your lender on time.