Yes, Mortgage Companies Require Termite Inspections. Even the Widely Recognized Mortgage Companies Require the Termite Inspection Report. the Termite Inspection Is an Important Part of Mortgage Proceedings. So What Can You Expect During a Termite Inspection?

This Is a Process That Requires Termite Control Professionals to Inspect the House Properly. Usually, a Pest Professional Would Inspect the House to Detect Any Damages Caused by Termite Infestation. They Don’t Fix or Repair the House, but They Inspect It from Interior to Exterior to Detect Any Pest Infestation. Once the Inspection Is Done, Your Termite Inspection Report Will Be Ready! This Report Can Include If the Property Is Damaged or Not Due to Termite Infestation. Your Lenders Would Require This Report as It Helps Them to Take a Further Step. This Can Not Only Save You from Costs, but It Is Also a Requirement by Lenders. After All, Most Banks Have to Follow the Policies of the States.

Lenders Requiring Termite Inspection

Fha, Usda, Va, and Other Conventional Banks Require a Termite Inspection. Hence, Borrowers Must Obtain a Termite Report as It Consists of All the Pages Related to Termite Inspection. the Good News Is That Most Lenders Might or Might Not Require This Report. Those Who Do So Might Be Because They Have to Comply with the Rules and Policies of the States. Besides, It’s Better to Get the Property Inspected Before You Plan on Buying It.

Do Mortgage Companies Require Termite Inspections?

By Robert Thorne

• Oct 9, 2026 • 2 min read

Do Mortgage Companies Require Termite Inspections?

Direct Answer • Key Takeaway

Termite Infestation Is a Common Occurrence in Many States. When Left Unchecked, It Can Damage the Structure of the House, Which You Plan on Buying. but That Shouldn’t Stop You from Getting on a Property Ladder. However, It Becomes Challenging When You Try to Obtain a Mortgage for It. This Leaves You Wondering, “Do Mortgage Companies Require Termite Inspections”

Robert Thorne

Automotive & Future Transportation Editor

Robert Thorne covers electric vehicle innovations, autonomous driving systems, global mobility trends, and automotive engineering developments.

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