Silver Bullet Pest ControlVA Termite Inspection Requirements in NJ: Questions and Answers
Your lender says the VA loan needs a termite report — now what? This guide answers the questions veterans, agents and attorneys ask us most about VA wood destroying insect (WDI) inspection requirements in New Jersey: when it's required, when to schedule it, who can pay and what happens if termites turn up.
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Is a termite inspection required for a VA loan in NJ?
Yes — every VA purchase loan in New Jersey requires a wood destroying insect (WDI) inspection, written up on the NPMA-33 form by a licensed pest control company. A VA Streamline refinance (IRRRL) usually does not. Since June 15, 2022 (VA Circular 26-22-11) the veteran may pay for the inspection when the Notice of Value requires it, and may pay for necessary repairs. Order it early in the contract, and ask your lender how recent the report must be. To book, call Silver Bullet Pest Control (NJ License 90568B) at 973-510-2585.
VA termite requirements in NJ at a glance
Required for purchases
A VA purchase loan on a New Jersey home needs a WDI inspection. It applies to the whole state.
Streamline usually not
A VA Streamline refinance (IRRRL) usually doesn't need a termite report. Other refinances: ask the lender.
Veteran may pay
Since June 2022 the veteran may pay for the inspection and for necessary repairs. Sellers often still pay after negotiation.
Order it early
Book as soon as the contract is signed. Ask your lender how recent the report has to be at closing.
Is a termite inspection required for a VA loan in New Jersey?
Short answer
Yes, for a home purchase. New Jersey is one of the states where the VA calls for a termite / WDI inspection on purchase loans, and it isn't limited to certain counties — a house in Garfield needs one just like a house in Cape May.
What exactly is being required?
A wood destroying insect inspection by a licensed pest control company, reported on the NPMA-33 — the National Pest Management Association's standard Wood Destroying Insect Inspection Report. People also call it the "termite letter" or "VA pest inspection." A general home inspection does not count. For a walk-through of the form, see NPMA-33 WDI reports explained.
Where does the requirement show up?
On the VA Notice of Value for the property, which your lender receives after the VA appraisal. That matters because the 2022 payment rule ties into it — see who can pay.
Do all VA loans need a termite report?
No. It depends on the kind of loan. Here's what we can say for sure, and where you need your lender:
| Loan type | Termite / WDI report needed? | What to do |
|---|---|---|
| VA purchase loan (NJ home) | Yes — statewide | Order the NPMA-33 early in the contract |
| VA Streamline refinance (IRRRL) | Usually not | Confirm with your loan officer |
| Other VA refinances | Depends on the lender and loan | Ask your loan officer before booking |
| FHA or conventional purchase | Up to the lender; when required, the NPMA-33 is the standard form | Ask your lender — or see real estate termite inspections |
| Cash purchase | No lender requirement | Many buyers still order one for peace of mind |
For FHA, conventional and cash sales, see real estate termite inspections in New Jersey.
When should you schedule the VA termite inspection?
Early. Here's how it usually fits into a New Jersey VA purchase:
| Stage | What happens | Termite inspection step |
|---|---|---|
| Contract signed | Attorney review starts; the VA appraisal is ordered | Ask the lender to confirm the WDI report and how recent it must be |
| First week or two | Home inspection and other buyer inspections | Book the WDI inspection now — note who's paying and who gets copies |
| Inspection day | Licensed inspector checks the house inside and out | Make sure the basement, crawl space and garage are open |
| Report delivered | NPMA-33 and itemized invoice go to the veteran, lender, attorneys and agents | Lender adds it to the loan file |
| If activity is found | Treatment is scheduled; repairs may be needed | Leave time for the work and updated paperwork |
| Before closing | Lender reviews conditions | If closing slipped, ask whether the report is still recent enough |
The point of ordering early: if termites turn up, there's still time to treat and repair without moving the closing date.
Who can pay for a VA termite inspection?
Can the veteran pay now?
Yes. VA Circular 26-22-11, effective June 15, 2022, lets the veteran be charged the WDI inspection fee whenever the VA Notice of Value requires the inspection. Before that change, veterans could pay for it in only a few states.
Can the veteran pay for repairs?
Yes. The same change allows the veteran to pay for necessary repairs found on the report.
Does the seller still pay?
Often. Being allowed to pay isn't the same as having to. Sellers often agree to pay for the inspection after negotiation. Settle it in the contract during attorney review.
What does the lender need?
An itemized invoice that names the borrower and the property. When you book with us, give us the veteran's name exactly as it appears on the loan.
What happens if the VA termite inspection finds termites or damage?
Will the loan be denied?
Not just because termites were found. It usually means treatment and, sometimes, repairs before closing.
Do the termites have to be treated?
Active termites need treatment. A licensed company recommends a liquid treatment, a bait system or both, depending on the house. Termite treatment from Silver Bullet comes with a 90-day warranty.
What about damaged wood?
Repairs may be needed for the home to meet the VA's Minimum Property Requirements. The lender and appraiser decide what's required. We can help with termite damage repair.
Who pays for treatment and repairs?
The veteran may pay for necessary repairs, but it's negotiable — sellers often cover it. Your attorney handles this.
How recent does the VA termite report need to be?
Ask your lender. The time window is set by the lender and VA guidance, not by the pest control company. Many lenders want the report dated within roughly 30 to 90 days of closing, but don't assume — get the exact number from your loan officer when you order.
- Closing moved back? Ask if the original report still works or if a re-inspection is needed.
- Seller has an old report? It may be too old for your lender. Ask before you rely on it.
- Pre-listing report? Helpful for sellers, but the buyer's lender may still want a newer one.
Your VA termite inspection checklist
Confirm with the lender
That the Notice of Value calls for a WDI report, and how recent it must be at closing.
Agree on who pays
Veteran or seller — settle it in the contract during attorney review.
Book early
Give us the address, closing date, borrower's name and the emails for the lender, attorneys and agents.
Open up the house
Basement, crawl space, garage and attic access should be clear. Blocked areas are noted as not inspected.
Ready to book? Go to our VA termite inspection page for New Jersey or call 973-510-2585. We're licensed in NJ (Pesticide License 90568B), have over 15 years of experience, and hablamos español.
Book Your VA Termite Inspection
Send the address, closing date, borrower's name and who should get the report. We'll confirm the soonest opening.
Common reasons people contact us
- Lender's Notice of Value calls for a WDI report
- Closing date coming up and no report yet
- Old report is too old for the lender
- Report found termites and treatment is needed
- Agent or attorney ordering for a veteran client
Request Service
🔒 Your info stays private · Hablamos español.
VA Termite Inspection Requirements FAQ
Does New Jersey require a termite inspection for VA loans?
Yes, for VA purchase loans. The requirement covers the whole state, not just certain counties.
Does a VA Streamline refinance (IRRRL) need a termite inspection?
Usually not. Confirm with your loan officer, and ask about other VA refinance types too.
Who can pay for the VA termite inspection?
Since June 15, 2022, the veteran may pay when the Notice of Value requires the inspection. Sellers often still agree to pay after negotiation.
What changed with VA Circular 26-22-11?
It allowed the veteran to be charged the WDI inspection fee whenever the Notice of Value requires it, and to pay for necessary repairs found on the report.
What does the lender need on the invoice?
An itemized invoice that names the borrower and the property.
When should I schedule the VA termite inspection?
As early in the contract as possible, so there's time for treatment or repairs before closing.
How long is a VA termite report good for?
Your lender decides. Many want it within about 30 to 90 days of closing, so ask before you book.
What happens if termites are found on a VA inspection?
The termites are treated, and repairs may be needed for the home to meet VA Minimum Property Requirements.
Is a home inspection enough for a VA loan?
No. The lender needs a WDI report on the NPMA-33 form from a licensed pest control company.
¿Es obligatoria la inspección de termitas para un préstamo VA en New Jersey?
Sí, para la compra de una casa con préstamo VA en New Jersey. Hablamos español — llame o mande texto al 973-510-2585.
VA termite inspections in North Jersey
Based in Garfield, we do VA WDI inspections across Bergen, Passaic, Essex and Hudson counties.
Our service area
Bergen County
973-510-2585- Allendale
- Bergenfield
- Bogota
- Carlstadt
- Cliffside Park
- Closter
- Cresskill
- Demarest
- Dumont
- East Rutherford
- Edgewater
- Elmwood Park
- Emerson
- Englewood
- Englewood Cliffs
- Fair Lawn
- Fairview
- Fort Lee
- Franklin Lakes
- Garfield
- Glen Rock
- Hackensack
- Harrington Park
- Hasbrouck Heights
- Haworth
- Hillsdale
- Ho-Ho-Kus
- Leonia
- Little Ferry
- Lodi
- Lyndhurst
- Mahwah
- Maywood
- Midland Park
- Montvale
- Moonachie
- New Milford
- North Arlington
- Northvale
- Norwood
- Oakland
- Old Tappan
- Oradell
- Palisades Park
- Paramus
- Park Ridge
- Ramsey
- Ridgefield
- Ridgefield Park
- Ridgewood
- River Edge
- River Vale
- Rochelle Park
- Rutherford
- Saddle Brook
- Saddle River
- South Hackensack
- Teaneck
- Tenafly
- Teterboro
- Upper Saddle River
- Waldwick
- Wallington
- Washington Township
- Westwood
- Woodcliff Lake
- Wood-Ridge
- Wyckoff
Passaic County
973-510-2585- Bloomingdale
- Clifton
- Haledon
- Hawthorne
- Little Falls
- North Haledon
- Passaic
- Paterson
- Pompton Lakes
- Prospect Park
- Ringwood
- Totowa
- Wanaque
- Wayne
- West Milford
- Woodland Park
Essex County
973-510-2585- Belleville
- Bloomfield
- Caldwell
- Cedar Grove
- East Orange
- Essex Fells
- Fairfield
- Glen Ridge
- Irvington
- Livingston
- Maplewood
- Millburn
- Montclair
- Newark
- North Caldwell
- Nutley
- Orange
- Roseland
- Short Hills
- South Orange
- Verona
- West Caldwell
- West Orange
Hudson County
973-510-2585Union County
973-510-2585- Berkeley Heights
- Clark
- Cranford
- Elizabeth
- Fanwood
- Garwood
- Hillside
- Kenilworth
- Linden
- Mountainside
- New Providence
- Plainfield
- Rahway
- Roselle
- Roselle Park
- Scotch Plains
- Springfield
- Summit
- Union
- Westfield
Morris County
973-510-2585- Boonton
- Butler
- Cedar Knolls
- Chatham
- Denville
- Dover
- East Hanover
- Florham Park
- Hanover
- Kinnelon
- Lincoln Park
- Madison
- Mendham
- Montville
- Morris Plains
- Morristown
- Mountain Lakes
- Parsippany
- Pequannock
- Randolph
- Riverdale
- Rockaway
- Roxbury
- Whippany
Updated November 2026 by the Silver Bullet Pest Control team, Garfield, NJ • NJ License 90568B