The Essentials of VA Loan Pest Inspections: Navigating the NPMA-33 Form

05/24/2024

For veterans and active military members, VA loans offer a path to homeownership with several unique benefits. One important aspect of these loans is the pest inspection requirement, which ensures the property is free from infestations. In California, it’s common for buyers to cover the cost of this inspection if the seller hasn’t provided a recent report. Let’s explore the importance of the NPMA-33 form in this process.

Understanding Pest Inspection Requirements: VA loans mandate a clear pest inspection to safeguard the property against infestations and related damages. The NPMA-33 form is a standardized document that reports the presence or absence of wood-destroying insects and organisms, streamlining the inspection process.

The Role of the NPMA-33 Form: The NPMA-33 form is essential in the VA loan process, focusing on active infestations. It’s particularly useful in California, where buyers often pay for the pest inspection, as it provides a clear and concise report that satisfies VA loan requirements.

Benefits of Using NPMA-33:

• Simplification: The form concentrates on active infestations, offering a straightforward approach to pest inspections.
• Cost-Efficiency: In California, where buyers may pay for the inspection, the NPMA-33 form can be a cost-effective solution.
• Clarity: It offers clear guidelines for inspectors and underwriters, facilitating a smoother loan approval process.

Considerations for Sellers and Buyers: In California, buyers frequently pay for the pest inspection, and the NPMA-33 form is widely accepted. However, if an appraiser notes issues like dry rot or fungus, these may still need to be addressed before closing. It’s also important to check with lenders, as some may have specific requirements regarding pest inspections.

The NPMA-33 form plays a vital role in fulfilling the pest inspection requirements for VA loans. Its use in California, where buyers often shoulder the cost, exemplifies its practicality and effectiveness in the home buying process for veterans.