Certified Home Inspections: Pest Inspections for Refinancing
When it comes to refinancing a home, pest inspections are more than just a precaution-they are often a requirement for lenders, including banks and government-backed programs. At Certified Home Inspections, we specialize in providing thorough, reliable pest inspections that help homeowners, realtors, and banks navigate the refinancing process with confidence.
Why Pest Inspections Matter for Refinancing
- Lender Requirements: Many mortgage lenders, especially those handling VA and FHA loans, require a pest inspection before approving a refinance. This ensures the property is free from wood-destroying insects like termites, which can compromise structural integrity and property value.
- Appraiser Triggers: Even if not initially required, an appraiser may flag potential pest issues during the home appraisal. In these cases, a pest inspection becomes mandatory to proceed with the loan or refinance.
- Peace of Mind: Beyond compliance, a pest inspection provides assurance that the property is safe, sanitary, and structurally sound for both current and future occupants.
What Our Pest Inspections Include
Our licensed inspectors conduct a comprehensive examination of both the interior and exterior of the property, focusing on:
- Signs of termites, carpenter ants, and other wood-destroying insects
- Evidence of rodents, cockroaches, and other common pests
- Structural damage caused by pest activity, including damaged wood, baseboards, and foundations
- Entry points and conditions conducive to infestations, such as moisture or wood-to-ground contact
After the inspection, we provide a detailed, lender-approved report outlining:
- Any pests or infestations found
- The extent and location of any damage
- Recommendations for treatment and repairs
- A clearance certificate if the property is pest-free or once treatment is completed
Who Needs Our Services?
- Homeowners: Ensure your property meets lender requirements and avoid costly delays or denials during refinancing.
- Realtors: Expedite transactions with reliable, fast inspections and clear documentation-protecting your clients’ interests and your reputation.
- Banks & Lenders: Trust our certified reports to meet underwriting standards and minimize risk on refinanced properties.
Why Choose Certified Home Inspections?
- Licensed & Experienced: Only licensed pest control operators can provide the official clearance certificates required for refinancing. Our inspectors are fully certified and experienced in both home and pest inspections.
- Fast Turnaround: We understand the time-sensitive nature of real estate transactions and offer flexible scheduling to keep deals on track.
- Trusted by Professionals: We partner with realtors and lenders to streamline the process and ensure all parties receive accurate, timely information.
- Comprehensive Service: From initial inspection to post-treatment clearance, we handle every step, so you can move forward with confidence.
Frequently Asked Questions
Are pest inspections always required for refinancing?
Not always, but they are mandatory for many government-backed loans (like VA and FHA) or if an appraiser notes potential pest issues.
Who pays for the inspection?
Payment responsibility can vary. For VA loans, recent changes allow buyers, sellers, or even the lender to pay for the inspection, including refinances.
How long is the inspection report valid?
Typically, pest inspection reports are valid for 90 days, but check with your lender for specific requirements.
Schedule Your Pest Inspection Today
Don’t let pests or paperwork delay your refinance. Contact Certified Home Inspections for fast, professional pest inspections trusted by homeowners, realtors, and banks. We’ll help you secure the clearance you need-so you can refinance with confidence.
Certified Home Inspections-Protecting Your Investment, One Inspection at a Time.