How To Look At A House

McGarry and Madsen's home inspection blog for buyers of  

site-built, mobile/manfuactured and modular homes

Do I need a termite inspection for a USDA loan?

Monday, August 26, 2019

"Termite/pest inspections are not required unless the lender, appraiser, inspector or State law requires the inspection to confirm the property is free of active infestation,” according to the appraisal/inspection guidelines of the USDA.

    Lenders that do require a termite inspection use the Termite Infestation Probability (TIP) Map to determine whether an inspection is necessary. See our blog post What is a TIP Zone Map? for more on this.

    A termite inspection is officially called a WDO inspection, an acronym for Wood Destroying Organism, because the inspector also looks for signs of wood-decaying fungi (wood rot) and wood boring beetles. 

    Also, see our blog posts Do I need a termite inspection for an FHA loan? and Do I need a termite inspection for a VA loan?

• • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • •  

To learn more about termites, see these other blog posts:

• Should I be worried about termites if my neighbor's house is being tented?

• Is the WDO (termite) inspector allowed to poke holes in my wood siding and trim? 

• Do carpenter ants cause structural damage to houses in Florida?

• How long before closing can you have a WDO (termite) inspection done?

• How long does Bora-Care® last? 

 Why is it a mistake to store lumber in the crawl space under a house?

• Does the presence of carpenter ants in a house indicate that there are probably also termites? 

• How do termites infest a house and remain hidden while doing major damage?

• Are homes in Florida required to have termite protection? 

• If termite damage appears to be old, does that mean that termites may no longer be present?

• How do I know if my WDO/termite report is "clear"? 

• When do termites swarm in Florida?

• Does a recent termite company inspection sticker mean there are no termites? 

• Can a mobile/manufactured home get termites?

• Do I have to tent the house if I have termites? 

• What is the difference between a subterranean termite and a drywood termite?

• What are the green plastic discs in the ground around the house? 

• What is a termite shield?

• How do termites get into a concrete block house? 

• Do termites eat concrete?

• What is a clean WDO?  

• What do termites eat?

• How do I treat wood rot  that's listed in my termite-WDO report? 

• Do I really need a termite-WDO inspection? 

• What's causing those holes in the fascia?

• Does wood chip mulch in the yard attract termites?

• I think I have termites. What does a termite look like?

• I'm buying a concrete block house. Do I still need a termite inspection? 

• I saw a little termite damage on the baseboard. Should I be concerned?

• Why do termite inspectors tap the wood siding and baseboard wood in a home? 

• What are the minimum access openings for a termite (WDO) inspector in Florida for a crawl space and attic, and within these spaces?

• What does a termite mud tube look like? 

       Visit our TERMITES, WOOD ROT AND PESTS page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.  

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